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)

It helps me out a lot.

It helps me out a lot.. I generally use it when I'm short on money & is very useful now that I can use it as a credit card! Reviewed on: 3rd July 2026

No issues ever using PayPal.

No issues ever using PayPal. I have used the 0% credit feature and the pay in 3. Easy to set up a direct debit or you can manually opt to pay in full ir pay a custom amount at any time Reviewed on: 3rd July 2026

Fraudulent Company took my money BUT PayPal has my back

I looking to order an air conditioning unit when the Company fraudulently put an order through and took my money, before I had even finalised my order. They billed me and took my money for 3 items. I was so distressed at what they'd done, I cancelled the order within minutes, but the Company said it had already been dispatched - immediately. Total and utter lies, so I opened a case with PayPal- I knew I'd be protected but backed it up with my credit card, just in case. They told me the Company had opened a recurring payment as well direct from my card! I felt sick when I found out as I had no idea they'd done it and I would have said no, if they had asked.. PayPal cancelled the sale due to unauthorised payments.and refunded my card. I still have a separate order for 2, that I'd opened a dispute on, that I am awaiting the conclusion of but I am very grateful to the team for helping me. It'd so wrong that Companies can do this sort of thing but PayPal had my back and I can't fault them on it. Reviewed on: 3rd July 2026

Easy to use good offers and great customer support

Easy to use good offers and great customer support Reviewed on: 3rd July 2026

Very good customer service,people are friendly and w...

Very good customer service,people are friendly and want to help Reviewed on: 3rd July 2026

Never had any issues and always know it’s been a saf...

Never had any issues and always know it’s been a safe service to trust Reviewed on: 3rd July 2026

Just how banking should be .

Just how banking should be . Simple with good advice and services Reviewed on: 3rd July 2026

My preferred payment platform

I have been using PayPal for many years and they have been my preferred payment vendor. They have excellent buyer protection and I know my purchase and money is safe with them. I don’t like working with vendors who do not accept PayPal Reviewed on: 3rd July 2026

Emergency credit

Pay pal credit is fantastic to use for any emergency purchases Reviewed on: 3rd July 2026

I have had PayPal for a number of years and I’m very...

I have had PayPal for a number of years and I’m very impressed with it 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

Payments
from PayPal 4.71 from 3855 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews
Retail Finance
from Close Brothers 3.17 from 12 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