Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

View other PayPal products

4.73

Based on 181,154 reviews, last reviewed 29th Sep 2026

65% decrease in 5 star reviews

in the past 90 days

53% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Best Customer service Best Customer service, and great value. Reviewed on: 29th 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

Awards

Best retail finance provider 2026

Awarded to the retail finance provider rated highest in customer reviews.
Best credit app 2026

Awarded to the credit union rated highest in customer reviews for their app

PayPal PayPal Credit reviews (181154)

I mostly use their credit facility, 0%. Pretty good.

I mostly use their credit facility, 0%. It's handy for large purchases but their direct debit set up is massively confusing. It resulted in missed payment which they then waiver after I explained. There is also no manual option to make payments which is poor. Reviewed on: 13th July 2026

Can't fault PayPal credit.

Can't fault PayPal credit. Easy app to use to monitor your outgoing, and really east to make a payment too! Reviewed on: 13th July 2026

Great experience.

Great experience. It is easy to use and clear. Reviewed on: 13th July 2026

So easy to set up and use.

So easy to set up and use.Purchase through PayPal guve to extra time to pay so if you see something you like you can treat yourself and take advantage of sales with out having to lose out. Reviewed on: 13th July 2026

Great system, and service

I have been using PayPal for quite a few years now, and have not experienced any issues. The system, is user friendly and easy to use, and offers convenience as well Reviewed on: 13th July 2026

Excellent service

Great service and easy to use. Easy to pay back. Pay back more when you can Reviewed on: 13th July 2026

5 starts all the way! Reliable and Hassle free,.

Great credit options, easy to make payments and keep track of spending and promotional offers, only had to call once and the customer service team was very helpful, 5 starts all the way! Reliable and Hassle free, All-Round Great Experience! Reviewed on: 13th July 2026

Instant credit, no quibble, just awesome

Instant credit, no quibble, just awesome Reviewed on: 13th July 2026

Always useful, easy to use and provides extra securi...

Always useful, easy to use and provides extra security which is a plus these days. When in doubt use PayPal. Reviewed on: 13th July 2026

Very good and quick credit option.

Very good and quick credit option. Reviewed on: 13th 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 Omni Capital Retail Finance 3.99 from 4 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Loan
from Snap Finance 4.81 from 370 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101311 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