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)

Makes it very easy to spend money I don't have.

Makes it very easy to spend money I don't have. Always use PayPal as they have good protection. Reviewed on: 6th July 2026

You can't fault the service & ease of use.

You can't fault the service & ease of use. Reviewed on: 6th July 2026

It’s easy and safe to use.

It’s easy and safe to use. You can rely on them when you carry out any transaction Reviewed on: 6th July 2026

Great service to use.

Great service to use. Would recommend. Reviewed on: 6th July 2026

I love PayPal.

I love PayPal. Best place to keep my money Reviewed on: 6th July 2026

Overall has been good.

Overall has been good. The only problem I had was not being able to reduce my credit or pay just a certain amount back Reviewed on: 6th July 2026

Easy to use, intuitive and quick really easy

Easy to use, intuitive and quick really easy Reviewed on: 6th July 2026

My review needs a title

The 0% offer is good for splitting larger payments over 3-4 months. The app is easy to use and you have good protection from PayPal when shopping online. Reviewed on: 6th July 2026

0% finance deals are great.

I used the 0% finance over 24month and 36months several. It's awesome Reviewed on: 6th July 2026

Always a great experience with PayPal.

Always had a good experience with PayPal. Its quick and easy without all the added fuss. Fees can be quite a lot depending on how you use it. Sensible credit limits and handy notifications to remind you its due is a big plus. Setting a direct debit is easy too. Love its simplicity and interest free terms is also available on certain products. What more can you ask for? 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
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews
Very Pay
from Shop Direct 3.48 from 29 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101300 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