Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (102200 reviews)

View other PayPal products

4.90

Based on 102,200 reviews, last reviewed 8th May 2026

2370350% increase in 5 star reviews

in the past 90 days

6950% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

I got the support I needed, so I am happy with your... I got the support I needed, so I am happy with your services. Reviewed on: 8th May 2026

Latest lowest rating:

2

Pretty good. Pretty good, but need to improve Reviewed on: 8th May 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 (102200)

So easy to use, points on my purchases and half the...

So easy to use, points on my purchases and half the interest rate of an approved overdraft. The ability to use my card in shops end online makes it even more versatile. I have recommended this to several friends who have PayPal accounts and have now applied for Paypal credit Reviewed on: 16th April 2026

Fair Experience

Fair, pay in 3 I find useful and the new earn as you pay is a nice addition. Reviewed on: 16th April 2026

Reliable and User-Friendly Payment Platform Experience

I have experience using PayPal as a reliable and secure platform for managing online transactions in both personal and professional contexts Reviewed on: 16th April 2026

Great Customer Support answered my question first time

Great Customer Support answered my question first time Reviewed on: 16th April 2026

Simple and easy.

ayPal Credit is a convenient “buy now, pay later” option that’s easy to use if you already shop online. The main appeal is its promotional offers, like 0% interest on purchases over a certain amount (if paid within the set period), which can be helpful for spreading costs. However, it’s important to be careful—if you miss payments or don’t clear the balance in time, interest rates can be quite high. It’s also less flexible than a traditional credit card in terms of where and how you can use it. Reviewed on: 16th April 2026

Really Good!

Always reliable and when you have an issue - they are good at sorting it. Reviewed on: 16th April 2026

Wonderful

"I am very pleased with the smooth and fast approval process for my recent credit application. PayPal makes access to financial flexibility incredibly easy and transparent. The terms are clear, and the integration with my account is seamless. Thank you for providing such a supportive financial tool." Reviewed on: 16th April 2026

Easy payment with money guarantee if there's a probl...

Easy payment with money guarantee if there's a problem with your transaction. Excellent customer service. Reviewed on: 16th April 2026

Very easy to use and very helpful!

Very easy to use and very helpful! Reviewed on: 16th April 2026

It’s always valuea great experience

It’s always a great experience when using PayPal, especially when using paying three Reviewed on: 16th April 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 4.91 from 3709 reviews
Retail Finance
from Close Brothers 2.53 from 12 reviews
Retail Finance
from V12 Retail Finance 4.68 from 25 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.93 from 48233 reviews
Payments
from PayPal 4.91 from 3709 reviews
Credit card
from PayPal 4.90 from 80 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