Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (109651 reviews)

View other PayPal products

4.90

Based on 109,651 reviews, last reviewed 18th May 2026

2711950% increase in 5 star reviews

in the past 90 days

7950% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Very easy helpful EAsy to use and quick set up Very easy helpful EAsy to use and quick set up Reviewed on: 18th May 2026

Latest lowest rating:

1

PayPal doesn’t look after customers and the policy... PayPal doesn’t look after customers and the policy needs re-wording Reviewed on: 17th May 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 (109651)

Fast and simple to use.

Fast and simple to use. I’ve used this method of payment several times, and its hassle free! Reviewed on: 18th April 2026

Most convenient there when needed

Most convenient there when needed Reviewed on: 18th April 2026

PayPal is very useful.

PayPal is very useful. Especially with their Pay in 3 facility to spread the cost of larger orders. Reviewed on: 18th April 2026

Best credit card

PayPal credit has helped me in many different ways that I can borrow a large amount and repay them back in monthly basic Reviewed on: 18th April 2026

Great service

I’ve been using PayPal credit for years, never had any issues when using the app. I highly recommend it to everyone! Reviewed on: 18th April 2026

Very satisfied with the service t

Very satisfied I had a very positive experience using PayPal. The platform is easy to use, secure, and makes both sending and receiving payments quick and hassle-free. I especially appreciate the buyer protection, which gives extra confidence when making purchases. Transactions are processed smoothly, and the interface is clear and user-friendly. Overall, a reliable and convenient service that I would definitely recommend. Reviewed on: 18th April 2026

Good and easy, from house essentials to treats

Good and easy, from house essentials to treats Reviewed on: 18th April 2026

Easy to use any disputes resolved quickly

Easy to use any disputes resolved quickly also feel at ease by transactions being given insurance in a way if anything goes wrong I.e. bogus sellers or transactions all sorted without too much effort on my side which would put some buyers off with the stress of it all. Reviewed on: 18th April 2026

PayPal has great payment options

PayPal is good for payment options because you can either get PayPal credit or pay monthly etc. Options are great and easy to manage through the PayPal app. Reviewed on: 18th April 2026

Simple to use, great for higher value purchases

I've been using PayPal credit for a few years now. They've provided me with a very generous limit (I've probably not used even close to 20% of it so far) and repayment is done via direct debit. Normal repayment can be expensive and so I avoid it for small purchases, however, for purchases of above £100 it's my go-to service as there is 0% interest for 4 months, which is always more than enough to repay! Reviewed on: 18th April 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 Novuna Personal Finance 4.77 from 172 reviews
Retail Finance
from Zebra Finance 4.76 from 6 reviews
Retail Finance
from Close Brothers 2.53 from 12 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.93 from 51874 reviews
Payments
from PayPal 4.91 from 3719 reviews
Credit card
from PayPal 4.90 from 83 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