Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181106 reviews)

View other PayPal products

4.73

Based on 181,106 reviews, last reviewed 6th Aug 2026

55% increase in 5 star reviews

in the past 90 days

78% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal is so easy to use with excellent security and... PayPal is so easy to use with excellent security and low fees when applicable. Reviewed on: 6th August 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 See your 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.

PayPal PayPal Credit reviews (181106)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Paypal Credit.

It is very way to choose Paypal Credit. You have 4 months to pay off the balance in full without occurring interest. Nevertheless you must make regular minimum payments. You can vary the amount of the payments to suit your circumstances. Paypal sends reminders about up and coming payments and you have the option to set a direct debit. Reviewed on: 15th July 2026

So far my experience was great.

So far my experience was great. Easy to use in purchasing online and with the actual card as an extra is also good which makes purchasing in stores convenient. Reviewed on: 15th July 2026

Fun friend always there when you need money help

PayPal is a bit like that reliable friend who always turns up when money needs to move from Point A to Point B. Whether you're buying something online at 2 a.m., splitting the bill for takeout, or getting paid for selling your old gadgets, PayPal usually gets the job done with minimal drama. The Good Stuff • Convenient: If typing your card details into every website sounds exhausting, PayPal swoops in like a digital superhero. • Widely Accepted: From major retailers to small online shops, PayPal is almost everywhere. • Buyer Protection: Gives peace of mind when buying online. It's like having a cautious friend whispering, "You sure about that purchase?" The Not-So-Fun Stuff • Fees: Sometimes PayPal's fees appear like an uninvited guest at a party—especially for business transactions. • Account Reviews: On occasion, PayPal can become a little overprotective and ask questions about your account activity. Understandable, but not always convenient. • Currency Conversion: If you're dealing internationally, exchange rates might make your wallet raise an eyebrow. Overall Verdict PayPal is the Swiss Army knife of online payments: handy, trusted, and usually ready when you need it. It may occasionally charge a fee that feels like a "convenience tax," but for ease of use and broad acceptance, it's hard to beat. Final Rating:(4/5) "PayPal: Making online payments easier since before most of us could remember our first password Reviewed on: 15th July 2026

Easy to manage and very responsive.

Easy to manage and very responsive. Reviewed on: 15th July 2026

Haven't been approved.

Haven't been approved. I have e good credit Reviewed on: 15th July 2026

Customer communication could be better.

Customer communication could be better. Reviewed on: 15th July 2026

Can’t complain

There super quick and easy to make payments and super fair interest rates Reviewed on: 15th July 2026

I love PayPal Credit.

I love PayPal Credit. There's a choice of options available. I've never had a problem accessing any of them. I am in total control of spending. Reviewed on: 15th July 2026

I have been with PayPal for a few years now and no m...

I have been with PayPal for a few years now and no matter the problem they are there to help you out Reviewed on: 15th July 2026

Paypal is so easy to use

Paypal is so easy to use. And unlike most financial services when you have a problem, PayPal reps actually make an effort to help you. Reviewed on: 15th 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 Omni Capital Retail Finance 3.99 from 4 reviews
Payments
from PayPal 4.71 from 3855 reviews
Loan
from Snap Finance 4.82 from 370 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101267 reviews
Payments
from PayPal 4.71 from 3855 reviews
Credit card
from PayPal 4.66 from 125 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