Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181145 reviews)

View other PayPal products

4.73

Based on 181,145 reviews, last reviewed 8th Sep 2026

43% decrease in 5 star reviews

in the past 90 days

25% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Easy to set up, reminders when payment is due. Easy to set up, reminders when payment is due. Reviewed on: 8th 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 (181145)

0% over 4 months is good but it’s a shame when you u...

0% over 4 months is good but it’s a shame when you use it as a credit card you don’t get the same offer. Reviewed on: 6th July 2026

Always there to deal with any dispute with the selle...

Always there to deal with any dispute with the seller, arranging for any refund straight away Reviewed on: 6th July 2026

Best pay with PayPal

The simplest way to pay for goods on line. No fuss no hassle Reviewed on: 6th July 2026

PayPal credit is amazing!

PayPal credit is amazing, it helps get those luxury things but doesnt ransack your bank account. Reviewed on: 6th July 2026

4 month interest free credit great

4 month interest free credit great Reviewed on: 6th July 2026

Flexibility to buy and spread the cost...

Flexibility to buy and spread the cost with no interest for 4 months helps so much in this financial crisis. Reviewed on: 6th July 2026

Always use PayPal credit for large purchases.

Always use PayPal credit for large purchases. Reviewed on: 6th July 2026

Always reliable and trustworthy.

Always reliable and trustworthy. I know that I am in safe hands. Reviewed on: 6th July 2026

Can’t fault the service provided

Can’t fault the service provided Reviewed on: 6th July 2026

So simple!

Love PayPal, great for paying straight from my current account, splitting into Pay in 3 or using 4 months interest free. So simple! 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 V12 Retail Finance 4.44 from 25 reviews
Loan
from Snap Finance 4.82 from 370 reviews
Retail finance
from Novuna Personal Finance 4.73 from 173 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101303 reviews
Payments
from PayPal 4.71 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