Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181128 reviews)

View other PayPal products

4.73

Based on 181,128 reviews, last reviewed 19th Aug 2026

11% increase in 5 star reviews

in the past 90 days

26% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Good service Great but difficult to talk to a real person Reviewed on: 19th 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 (181128)

Fantastic

Fantastic , been using for many years , never lets me down Reviewed on: 2nd July 2026

Swiftly Sorted! The best middleman

Should’ve automatically received a £10 off next purchase voucher for spending over £40 but had to chase this. The customer service representative sorted this immediately when I brought it to their attention. Reviewed on: 2nd July 2026

Easy to use clean app good service

Easy to use clean app good service Reviewed on: 2nd July 2026

Excellent service & convenient way to spread the cost

I’ve had a very positive experience using PayPal Credit. The application process was straightforward, and being able to spread the cost of larger purchases has been really helpful when managing my budget. I find the account easy to use, payments are simple to make, and everything is clearly displayed within the PayPal app. I’ve always found the service reliable, with purchases processed quickly and no issues when checking balances or making repayments. The promotional interest-free offers on eligible purchases are particularly useful, provided you stay on top of your payments. Overall, it’s a convenient, flexible credit option that has worked exactly as expected for me, and I wouldn’t hesitate to recommend it to others looking for a trusted way to manage larger online purchases. Reviewed on: 2nd July 2026

i always use paypal as i trust it and its...

i always use paypal as i trust it and its easy to use Reviewed on: 2nd July 2026

Few issues

Have never had a problem that wasn't fixable, can sometimes the procedures can be a bit frustrating though. Reviewed on: 2nd July 2026

EXCELLENCE

Excellent services. Recommended to everyone Reviewed on: 2nd July 2026

Great way to split payments.

Great way to split payments. Good comms from customer service when there is a problem. Reviewed on: 2nd July 2026

Always useful and convenient, is quick as well

Always useful and convenient, is quick as well Reviewed on: 2nd July 2026

Manage finances

Helps me to manage my finances by spreading out the cost over a few months. Reviewed on: 2nd 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 Close Brothers 3.17 from 12 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 101286 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