Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181149 reviews)

View other PayPal products

4.73

Based on 181,149 reviews, last reviewed 14th Sep 2026

55% decrease in 5 star reviews

in the past 90 days

40% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Excellent service Paypal credit Excellent service and customer satisfaction Reviewed on: 14th September 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd 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 (181149)

PayPal has always been reliable and has a good custo...

PayPal has always been reliable and has a good customer service team. Very helpful team. Reviewed on: 6th July 2026

Straight forward, great offers, easy to use.

Straight forward, great offers, easy to use, I purchased an item and it was flawless, I set up an account in minutes and haven’t looked back Reviewed on: 6th July 2026

Very good company thanks great all-round service

Very good company thanks great all-round service Reviewed on: 6th July 2026

No issues and easy to use makes purchases easy

No issues and easy to use and used across multiple sites for all of my needs Reviewed on: 6th July 2026

Instant Approval and a Smooth Experience

I recently applied for PayPal Credit and was instantly approved for a £1,200 credit limit. The application process was quick, simple, and the decision was immediate, which made the experience very convenient. The terms and conditions were clear and easy to understand, and I didn’t notice any hidden charges or unexpected fees during the application process. As I haven’t needed to contact customer service yet, I can’t comment on the quality of their support, so I’m giving a neutral rating for that aspect. Overall, it’s been a smooth experience so far, and I’m happy with how straightforward the application process was. Reviewed on: 6th July 2026

All the time ive needed to contact Paypal it has bee...

All the time ive needed to contact Paypal it has been a pleasant experience Reviewed on: 6th July 2026

I’ve been with PayPal for a few amount of years and...

I’ve been with PayPal for a few amount of years and it’s amazing. I can purchase things I need and pay it off flexibly which is amazing. Anytime I have issues they are great support in resolving my problem. Reviewed on: 6th July 2026

Never a problem or issue since day 1.

Never a problem or issue since day 1. Reviewed on: 6th July 2026

The app is an absolute joy to use.

The app is an absolute joy to use. Its easy,concise and quick! I love the pay in 3 option & the pay later. The speed at which the money is transfered to my bank from Airbnb is excellent. I love PayPal! Reviewed on: 6th July 2026

Easy to use

I found the credit limit a great help with some of my purchases. Sending money is easy and efficient. Reviewed on: 6th 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

Very Pay
from Shop Direct 3.48 from 29 reviews
Retail Finance
from Zebra Finance 4.08 from 6 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101305 reviews
Payments
from PayPal 4.72 from 3854 reviews
Credit card
from PayPal 4.66 from 126 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