Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50806 reviews)

View other PayPal products

4.91

Based on 50,806 reviews, last reviewed 1st Feb 2026

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Simple and handy PayPal approved me for credit when NatWest would not, allowing me to make purchases with zero interest for 4 months. Their Pay in 3 service has also b... Read more Reviewed on: 25th January 2026

Latest lowest rating:

1

6M 0 interest is a scam. I opened this account because it offer 6M 0 interest. Im a 0 int person, i refuse to make banks rich and steal peoples money. Mind you, I have the mon... Read more Reviewed on: 1st February 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 (50806)

PayPal Vs Bank

PayPal has been great, only downside is using bank is a bit safer for certain things such as games since PayPal often declines payment disputes, whereas my bank especially dealing with any scams are much more effective with dealing with disputes. PayPal credit service has been very good however compared to a bank overdraft Reviewed on: 28th May 2025

I liked the fact when you buy things on line and the...

I liked the fact when you buy things on line and the seller didn’t send the items and your money will be refunded Paypal has listened hear to hear your points when there is dispute between both the seller and buyer Reviewed on: 28th May 2025

Easy and flexible way to finance products and services.

Easy and flexible way to finance products and services. Reviewed on: 28th May 2025

It is handy to use paypal credit but it can be awkwa...

It is handy to use paypal credit but it can be awkward to get hold of someone to discuss issues if they arise. Reviewed on: 28th May 2025

I love using PayPal!

I like to use PayPal credit for purchases I wouldnt usually be able to buy( I buy yu gi oh cards) it’s a childhood hobby that I’ve been able to continue doing as I’ve gotten older, PayPal credit is extremely easy to use ! And it makes me feel like I’m paying nothing at all haha, it’s always easy to view and see what I’ve got left to pay back on and the emails to inform you of upcoming payments helps. It’s also super easy to pay back early on if I wanted to, the app is ideal. I also use PayPal for paying some of my mouthy subscriptions, PayPal is a really helpful app/thing to use and it’s made paying for and receiving money easy for me. Reviewed on: 28th May 2025

PayPal is a great financial tool

PayPal is a great financial tool and I would recommend. Always good experiences Reviewed on: 28th May 2025

Smooth and easy to use

Smooth and easy to use, clear understanding of your balance and very user friendly. Used for years now even booked holidays and know I can trust when using. It gives me confidence knowing my purchases are also protected. Thank you! Reviewed on: 28th May 2025

Very efficient and alerts me on time about the progr...

Very efficient and alerts me on time about the progress and follow ups of my purchases and the best of all there is ample time with flexibility to pay back as well as refunds sorted in time. Reviewed on: 28th May 2025

I have used PayPal credit for a few years now and it...

I have used PayPal credit for a few years now and its quick, easy and safe to use online. Managing payments and checking balances is simple and clear Reviewed on: 28th May 2025

easy to use, secure payments, convenient installment...

easy to use, secure payments, convenient installment payments Reviewed on: 28th May 2025

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 4.76 from 172 reviews
Retail Finance
from Omni Capital Retail Finance 4.00 from 4 reviews
Retail Finance
from Zebra Finance 4.76 from 6 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.93 from 22350 reviews
Payments
from PayPal 4.91 from 3600 reviews
Debit card
from PayPal 4.00 from 1 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