Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

View other PayPal products

4.73

Based on 181,154 reviews, last reviewed 29th Sep 2026

65% decrease in 5 star reviews

in the past 90 days

53% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Best Customer service Best Customer service, and great value. Reviewed on: 29th 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

Awards

Best retail finance provider 2026

Awarded to the retail finance provider rated highest in customer reviews.
Best credit app 2026

Awarded to the credit union rated highest in customer reviews for their app

PayPal PayPal Credit reviews (181154)

Christmas saver

Very grateful for PayPal credit always there when I need some extra treats for my family. Specially at Christmas. Reviewed on: 12th July 2026

Fantastic way to budget and spread cost.

Fantastic way to budget and spread cost. Reviewed on: 12th July 2026

I have used paypal for years and has served me...

I have used paypal for years and has served me well Reviewed on: 12th July 2026

Been good

Good, been handy for when I’ve needed it. Reviewed on: 12th July 2026

Grateful to PayPal

Grateful to PayPal for offering me an interest free credit offer for 4 months which allowed me to make some big purchases for the house which I would otherwise be unable to do. Reviewed on: 12th July 2026

Perfect paypal

Any issues have been solved quickly and efficiently in my favour Reviewed on: 12th July 2026

Always positive , I have been a customer for many ma...

Always positive , I have been a customer for many many years, and they always deliver… and at a decent rate too . Clear and concise, great job. All in all I’m very pleased to hold an account with them. Keep up the good work. Xx Reviewed on: 12th July 2026

4 months at 0% interest - Excellent

I have made a couple purchases where I could pay back in 4 months at 0% interest. Easy and less stressful than anywhere else. Reviewed on: 12th July 2026

Great facility for short term credit

Great facility for short term credit Reviewed on: 12th July 2026

Great service and communication as always.

Great service and communication as always. Reviewed on: 12th 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
Very Pay
from Shop Direct 3.66 from 29 reviews
Loan
from Snap Finance 4.81 from 370 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101312 reviews
Payments
from PayPal 4.72 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