Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181147 reviews)

View other PayPal products

4.73

Based on 181,147 reviews, last reviewed 11th Sep 2026

50% decrease in 5 star reviews

in the past 90 days

32% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great credit option. Very straightforward procedure, various repayment options, very easy to use at checkout. Reminders sent promptly and payment straight forward Reviewed on: 11th 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 (181147)

Very easy to use and very efficient

Very easy to use and very efficient Reviewed on: 6th July 2026

Easy service to use

I find paypal credit very easy to use and the service top quality. Great customer service and never had any problems when ever i have used it. Reviewed on: 6th July 2026

3 month free

I have 3 month time to pay it back without interest Reviewed on: 6th July 2026

Great for building credit score

I used PayPal Credit to increase my credit score to 1000/1000 by making small purchases through PayPal Credit and immediately paying then off. It’s a great way to do it! Reviewed on: 6th July 2026

Its helpful with spreading larger payments into 3

Its helpful with spreading larger payments into 3 Reviewed on: 6th July 2026

Excellent service easy to use.

Excellent service easy to use. I recommend Reviewed on: 6th July 2026

Seamless experience, good credit terms, pay in 3, Pa...

Seamless experience, good credit terms, pay in 3, PayPal credit and use in android wallet Reviewed on: 6th July 2026

Very good for my business and Very easy when you do...

Very good for my business and Very easy when you do the payment Reviewed on: 6th July 2026

No bad, not bad.

No bad, not bad. I sometime used Reviewed on: 6th July 2026

PayPal are a great service and their credit line is...

PayPal are a great service and their credit line is a great option. 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

Retail finance
from Novuna Personal Finance 4.73 from 173 reviews
Very Pay
from Shop Direct 3.48 from 29 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 101304 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