Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (109750 reviews)

View other PayPal products

4.90

Based on 109,750 reviews, last reviewed 18th May 2026

2716750% increase in 5 star reviews

in the past 90 days

8000% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

I have a great experience with good customer service I have a great experience with good customer service Reviewed on: 18th May 2026

Latest lowest rating:

1

It’s far too easy to get this money, people need to... It’s far too easy to get this money, people need to realise that this is money that they have to pay back. Please only use this if you are financially... Read more Reviewed on: 18th 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 (109750)

I’ve had a great experience using PayPal.

I’ve had a great experience using PayPal. Transactions are fast, the platform is easy to navigate, and I appreciate the added security and buyer protection. It’s a trusted option for both personal and business use. Reviewed on: 18th April 2026

I've been using for years and I'm very happy every...

I've been using for years and I'm very happy every time Reviewed on: 18th April 2026

PayPal is a must-have

PayPal is a must-have for anybody who shops online. PayPal offers the option to be be used on so many sites. The flexibility and protection it offers is a life-saver and I've depended on it 100s of times. I've also purchased and sold items and unfortunately ran into scammers but with PayPal I always had the confidence and assurance that I would be reimbursed. As a secondary banking method it has served me excellently at no cost. Reviewed on: 18th April 2026

It’s very easy to access your money and services but...

It’s very easy to access your money and services but not as easy to get support. Reviewed on: 18th April 2026

Great app to transfer money to other coutries for e.

Great app to transfer money to other coutries for e.g. Reviewed on: 18th April 2026

I am very happy with the experience and security tha...

I am very happy with the experience and security that using Paypal offers me especially when purchasing items onljne Reviewed on: 18th April 2026

I use PayPal all the time to pay for things.

I use PayPal all the time to pay for things (mainly ebay). I also have a line of credit with them and so far I haven't had any issues. Reviewed on: 18th April 2026

TRUSTED!

I have always felt I could TRUST PayPal. Which is very reasurring. Reviewed on: 18th April 2026

It will be better if we have payment instalments to...

It will be better if we have payment instalments to 4 instalments like in France. Also if we gets more deals for 0% interest credits. Reviewed on: 18th April 2026

Simple, Flexible, and Reliable Credit Option

PayPal Credit has been a genuinely useful tool for managing purchases, especially when I want a bit of flexibility without the hassle of a traditional credit card application process. The integration with PayPal is seamless, which makes checkout quick and straightforward across a wide range of online retailers. One of the biggest advantages is the promotional financing options. Being able to spread payments over time—often interest-free if paid within the promotional period—makes larger purchases far more manageable. The interface is clear, repayments are easy to track, and making payments is straightforward. I also appreciate the transparency. Statements are easy to understand, and there are no surprises in terms of fees as long as you stay within the agreed terms. Customer service has been responsive whenever I’ve needed assistance, which adds to the overall confidence in using the service. Overall, PayPal Credit offers convenience, flexibility, and reliability. It’s a solid option for anyone already using PayPal who wants a simple way to manage spending without overcomplicating things. 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 Zebra Finance 4.76 from 6 reviews
Very Account
from Shop Direct 4.31 from 27 reviews
Payments
from PayPal 4.91 from 3719 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.93 from 51915 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