Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181131 reviews)

View other PayPal products

4.73

Based on 181,131 reviews, last reviewed 21st Aug 2026

8% increase in 5 star reviews

in the past 90 days

21% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Nothing hidden, simple to use. Nothing hidden, simple to use. Convenient for making those larger purchases, especially when they are unexpected Reviewed on: 21st 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 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 (181131)

Great for spreding costs .

Great for spreding costs . And handy for purchases Reviewed on: 3rd July 2026

Very good app to use with great benefits

Very good app to use with great benefits Reviewed on: 3rd July 2026

Ease of use with many retailers but....

The ability to pay off individual balances would be amazing. Reviewed on: 3rd July 2026

A great back up for emergency finances

A great back up for emergency finances Reviewed on: 3rd July 2026

Amazing service and very competitive rates.

Amazing service and very competitive rates. PayPal credit has been a tremendous help in being to afford items and pay off monthly, especially when on low income Reviewed on: 3rd July 2026

Excellent service and clear communication

Excellent service and clear communication Reviewed on: 3rd July 2026

I’ve had PayPal for years.

I’ve had PayPal for years. Customer service has always been friendly and helpful, and answered questions given. Reviewed on: 3rd July 2026

Fair, honest, multifunctional.

Fair, honest, multifunctional. Easy to use provider. Reviewed on: 3rd July 2026

paypal credit has been a good option to get your fee...

paypal credit has been a good option to get your feet on the ground and make purchases that benefit your life without being able to afford it all at once, it’s easy to use and easy to pay back with a direct debit Reviewed on: 3rd July 2026

Perfect for items that are more expensive

All good. I've bought items I would not normally because I could pay over more time. Reviewed on: 3rd 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
Retail Finance
from Zebra Finance 4.08 from 6 reviews
Retail finance
from Novuna Personal Finance 4.73 from 173 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101289 reviews
Payments
from PayPal 4.71 from 3855 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