Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181143 reviews)

View other PayPal products

4.73

Based on 181,143 reviews, last reviewed 4th Sep 2026

16% decrease in 5 star reviews

in the past 90 days

7% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

It’s been miraculous. It’s been miraculous. Just what I needed. Reviewed on: 4th 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 (181143)

My Number One!!!

So easy to use and always get offered excellent payment options Reviewed on: 6th July 2026

Absolute game changer for managing purchases

Absolute game-changer for managing purchases PayPal Credit delivers every time! I’ve been using PayPal Credit for over two years now, and it’s easily one of the most useful financial tools I’ve added to my wallet. From the very start, the application process was quick and seamless I got a decision in minutes, and it was ready to use straight away with all the retailers I already shop with online. What makes it stand out most is the flexibility it offers. The 0% interest offers on purchases over a certain amount are brilliant I’ve used them for everything from buying wedding gifts to replacing home appliances, and being able to spread the cost without paying a penny extra takes so much pressure off. It’s so much clearer and fairer than other credit options I’ve tried; there are no hidden fees, and the terms are laid out simply so you always know exactly what you’re paying and when. Managing the account couldn’t be easier either everything is right there in your PayPal account, so you can check your balance, make payments, or adjust settings whenever you like, from any device. Customer support has been fantastic whenever I’ve had a question too; responses are fast, and the team actually takes the time to explain things properly rather than giving you generic answers. I also love the extra security it gives since you don’t have to share your card details with every shop you buy from, it adds another layer of protection for your personal information. It’s widely accepted too; almost every major online store I use works with it, so I rarely have to reach for my regular card anymore. If you’re looking for a straightforward, reliable way to manage your spending or make larger purchases more affordable, I can’t recommend PayPal Credit enough. It’s saved me so many times, and I’ll definitely keep using it for years to come! Reviewed on: 6th July 2026

It’s great way more time to sort out your payment plan.

It’s great way more time to sort out your payment plan. Reviewed on: 6th July 2026

Stressfree purchases with PayPal

Always had a good experience with PayPal never really had any problems and all transactions have been smooth and trouble free Reviewed on: 6th July 2026

Iv never had any issues.

Iv never had any issues. I find it the lost comfortable and secure way to pay without question Reviewed on: 6th July 2026

Really good works how i expected and like that I am...

Really good works how i expected and like that I am still coved my paypal Reviewed on: 6th July 2026

Great service and rates

Several times over the years I have done PayPal credit and find the terms very reasonable Reviewed on: 6th July 2026

Very easy to contact and friendly staff always very...

Very easy to contact and friendly staff always very helpful also value for money Reviewed on: 6th July 2026

Very easy all round and safe for buying items

Very easy all round and safe for buying items Reviewed on: 6th July 2026

Good to spread costs into smaller payment.

Good to spread costs into smaller payment. Feels secure 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 Zebra Finance 4.08 from 6 reviews
Loan
from Snap Finance 4.82 from 370 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101302 reviews
Payments
from PayPal 4.72 from 3855 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