Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181123 reviews)

View other PayPal products

4.73

Based on 181,123 reviews, last reviewed 16th Aug 2026

20% increase in 5 star reviews

in the past 90 days

35% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Very reliable. Very reliable. I had a dispute with a retailer previously, and this solved promptly. Easy to send and recieve money Reviewed on: 16th 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 (181123)

paypal is safe

paypal is safe easy to use and gives you peace of mined i use it all the time Reviewed on: 1st July 2026

Paypal is why we have competitive banking today

Never ever had any issues ever. Love buyer protection...it works amazingly well. Reviewed on: 1st July 2026

Would be nice if it was easier to make a payment or...

Would be nice if it was easier to make a payment or i am just missing something Reviewed on: 1st July 2026

Simple to use and accessible, always my go to for pa...

Simple to use and accessible, always my go to for payments Reviewed on: 1st July 2026

Easy to use, split into 4 payment PayPal credit is v...

Easy to use, split into 4 payment PayPal credit is very useful may be extend it for 6months Reviewed on: 1st July 2026

Easy to apply and maintain.

Easy to apply and maintain. App makes it easy to see your account and make payments Reviewed on: 1st July 2026

I have always found PayPal easy to use and convenient.

I have always found PayPal easy to use and convenient. Additionally, any disputes I have had with vendors have always been resolved quickly and efficiently with PayPal. Reviewed on: 1st July 2026

PayPal Credit is a great option if you want flexibil...

PayPal Credit is a great option if you want flexibility when shopping online, especially because it gives you the choice to pay in 4 months on eligible purchases. It also offers several ways to repay, which makes it convenient and easy to manage. One downside is that the credit application process is not the best, since you may be approved for only a low starting credit limit. Another drawback is the high APR if you do not pay it back within the promotional period, so it is important to stay on top of repayments. PayPal Credit UK offers 0% interest for 4 months on purchases of £99 or more, and its representative APR is 23.9% variable. Overall, it is still very useful to have, especially because so many businesses accept PayPal at checkout, which makes shopping simple and secure. PayPal also says approved customers can use PayPal Credit across millions of online merchants that accept PayPal. I'm happy to have it. Reviewed on: 1st July 2026

Easy to use

Never had an issue or reason to complain. Reviewed on: 1st July 2026

Very good! Smiles

All my experiences were okay.Sometimes it was all really fast, I really didn't expect it Reviewed on: 1st 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

Loan
from Snap Finance 4.82 from 370 reviews
Retail finance
from Novuna Personal Finance 4.73 from 173 reviews
Payments
from PayPal 4.71 from 3855 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101281 reviews
Payments
from PayPal 4.71 from 3855 reviews
Credit card
from PayPal 4.66 from 125 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