Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (140269 reviews)

View other PayPal products

4.73

Based on 140,269 reviews, last reviewed 16th Jun 2026

4113750% increase in 5 star reviews

in the past 90 days

11650% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

0% Interest in the first 4 months 0% Interest in the first 4 months Reviewed on: 16th June 2026

Latest lowest rating:

1

PayPal Credit - AVOID PayPal Credit is an extremely unhealthy and non-consumer friendly credit service. Payments take forever to process and your balance doesn’t update eve... Read more Reviewed on: 15th June 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 (140269)

PayPal has been a really useful personal tool.

PayPal has been a really useful personal tool. It’s my go to for transferring money digitally and I’ve frequently used pay-in-3 to break up big payments. It’s helped me avoid racking up interest on credit cards. Very happy. Reviewed on: 13th June 2026

Used for a long time

Used for a long time and have never had a problem. Fantastic for purchases that you need to get but can't pay it all right now. Reviewed on: 13th June 2026

Always prompt and reliable 24 / 7 availability

Always prompt and reliable 24 / 7 availability Reviewed on: 13th June 2026

Easy ready available and fair interest rates.

Easy ready available and fair interest rates. Reviewed on: 13th June 2026

Simple and easy to use with great customer service.

Simple and easy to use with great customer service. Reviewed on: 13th June 2026

Excellant easy to use options don’t let you over spe...

Excellant easy to use options don’t let you over spend and contactable Reviewed on: 13th June 2026

PayPal & purchases

Easy to use and helpful for emergency purchases Reviewed on: 13th June 2026

Always reliable i know I can trust PayPal.

Always reliable i know I can trust PayPal. It's always offered me options when needed. I like the variety of choice I get using PayPal. Credit allows me to make purchases j know I can afford over time and its quick and easy to use. Reviewed on: 13th June 2026

I have been using PayPal credit for years.

I have been using PayPal credit for years. I have always found them fair on the occasions where I haven't met a payment date. They communicate with you clearly, fairly and promptly on all matters. It gives me an extra layer of buyers protection when purchasing online which I find reassuring when making larger purchases especially. Reviewed on: 13th June 2026

Very good

Very useful, many payment options. Repayment type in very affordable installments. Reviewed on: 13th June 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

Payments
from PayPal 4.72 from 3750 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews
Better Off Calculator
from Policy in Practice 4.63 from 496 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 71422 reviews
Payments
from PayPal 4.72 from 3750 reviews
Credit card
from PayPal 4.69 from 98 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