Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145429 reviews)

View other PayPal products

4.73

Based on 145,427 reviews, last reviewed 26th Jun 2026

4348200% increase in 5 star reviews

in the past 90 days

12500% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Very good experience since I started with papal Very good experience since I started with papal Reviewed on: 26th June 2026

Latest lowest rating:

2

Been with you for 8 years and you are the only firm... Been with you for 8 years and you are the only firm that has never increased my pathetically low credit limit ! Reviewed on: 25th June 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 (145429)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024

24 months interest free very appreciated!

I applied for a 24 month interest free arrangement on a MacBook Pro so it was quite pricey and 2 years of free credit was ideal! Had a few issues with my PayPal being out of date but sorted that and had my Mac next day.from Macfinder! Reviewed on: 25th June 2026

Easy to apply for and received a quick decision with

Easy to apply for and received a quick decision with just a few details. As an added bonus, I received cash back on my first purchase. It’s really easy to monitor spending, payments and set up direct debits in the app so you can manage your account. Reviewed on: 25th June 2026

Really great and helpful!

Really great and helpful! Such a safe way to spend money Reviewed on: 25th June 2026

Paypal , always there when you need it,

Paypal , always there when you need it, Reviewed on: 25th June 2026

Great service.

Great service. Amazing products im very happy Reviewed on: 25th June 2026

Safeguard

I have had nothing but good experiences. It is the best way to make sure you are not being scammed. Also there are benefits, eg paying in three instalments, also earning cash back. Reviewed on: 25th June 2026

Very good always happy Geoff clark

Very good always happy service is brilliant at all times all ways happy to help the customer Reviewed on: 25th June 2026

I like using PayPal, a lot.

I like using PayPal, be it normally, PayPal Credit or pay in three. All of these products served me very well. I am able to see my balances at a glance and if things don't go as planned the support is usually there to help me. Reviewed on: 25th June 2026

4months interest free

4months interest free credit, what’s not to like about that Reviewed on: 25th June 2026

So far it has been easy.

So far it has been easy. Interest free 36 months made buying a new phone possible. Reviewed on: 25th June 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 Zebra Finance 4.06 from 6 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 76394 reviews
Payments
from PayPal 4.71 from 3757 reviews
Credit card
from PayPal 4.69 from 98 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