Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (175822 reviews)

View other PayPal products

4.73

Based on 174,829 reviews, last reviewed 10th Jul 2026

1347% increase in 5 star reviews

in the past 90 days

1212% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Ease of use All seemed to go through easily without too much hassle. Reviewed on: 10th July 2026

Latest lowest rating:

2

I working with paypal between 5 or 6 years , when is... I working with paypal between 5 or 6 years , when is something wrong paypal don't help me , why i used , have another credit company the process is mo... Read more Reviewed on: 10th July 2026

Read all reviews Write a review

About this product

PayPal Credit is a reusable digital credit line that can be added to your PayPal wallet and used for eligible online purchases.

Accepted at thousands of online retailers that offer PayPal at checkout, PayPal Credit is a flexible way to pay. Eligible purchases get PayPal’s encryption and 24/7 fraud monitoring, as well as Buyer Protection.

PayPal reviews help you find out what it’s really like to be a customer. If you’ve used PayPal before, you can also leave a review and share your experience.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.

Write a review

PayPal PayPal Credit reviews (175854)

Like the fact most online retails allows you to use...

Like the fact most online retails allows you to use PayPal credit or pay in 3. Good APR rates. Easy to apply Reviewed on: 5th July 2026

So easy to use and I’m confident when using pay...

So easy to use and I’m confident when using pay pal Reviewed on: 5th July 2026

I find it good for spreading the cost of items

I find it good for spreading the cost of items Reviewed on: 5th July 2026

Paypal is easy to use and good customer service

Paypal is easy to use and good customer service Reviewed on: 5th July 2026

Simply, practice, easy, many options

Simply, practice, easy, many options Reviewed on: 5th July 2026

Excellent app and service, all the transactions abov...

Excellent app and service, all the transactions above £100 can be paid in 3 instalment, No hassles. Everything can be done through app. Reviewed on: 5th July 2026

Two thumbs up honestly

Honestly has been very handy to use both online and on some phone apps in a pinch, tied with the Klana feature for breaking payments up to three months also works very nicely to help keep my books balanced. the one time I had a fraudulent charge the folks were very nice in helping me resecure my account and get my money back so huge thumbs up on the protection side. A rather big downside for me is that i cannot schedule a day to pay with the monthly debit as i like paying everything at the begining of the month and they want it at the end sometimes right before my paycheck which has caused issues in the past, but honestly you can set a monthly calander reminder. Reviewed on: 5th July 2026

Highly recommend paypal

Excellent Customer Service, Easy to get hold of someone to speak to & easy spending Reviewed on: 5th July 2026

Never had any problems with PayPal.

Never had any problems with PayPal. They have been an excellent addition to my credit card accounts. I use my PayPal account in my mobile phone's wallet. Reviewed on: 5th July 2026

Always had good service if anything has gone wrong.

Always had good service if anything has gone wrong. Always refunded with no issues. Reviewed on: 5th July 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Retail Finance
from Close Brothers 3.17 from 12 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Zebra Finance 4.08 from 6 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 97515 reviews
Payments
from PayPal 4.71 from 3845 reviews
Credit card
from PayPal 4.70 from 121 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub