Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181122 reviews)

View other PayPal products

4.73

Based on 181,120 reviews, last reviewed 13th Aug 2026

26% increase in 5 star reviews

in the past 90 days

42% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal credit gives me freedom Lovely PayPal credit gives me freedom to buy items I want but can’t quite afford and can pay over time Reviewed on: 13th 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 (181122)

Great way to manage large payments

Great way to manage large payments Reviewed on: 30th June 2026

Great for purchasing larger or more expensive items,...

Great for purchasing larger or more expensive items, giving you more time to pay for them. Reviewed on: 30th June 2026

PayPal has always been a top service.

PayPal has always been a top service. I love the flexibility of payments and payment options. Reviewed on: 30th June 2026

My go to app for credit

I have used PayPal Credit for quite some time and I continue to do so because it can be trusted, it is transparent, and really easy to use. It is fast and reliable, and has never let me down. All the information you require is right there. There is no panic for payment. I find it relaxed and supportive. It is my go to app for credit. Reviewed on: 30th June 2026

Fantastic.

Fantastic. Paypal credit has helped when I needed it and is always the first option I think of when wanting to use credit. Customer service is on point as always and can’t recommend them enough! Reviewed on: 30th June 2026

Never had any issues with PayPal credit gave me chan...

Never had any issues with PayPal credit gave me chance to upgrade my limit if wanted and interest rate not awful, always offering deals on purchases Reviewed on: 30th June 2026

Good interest free period and easy to apply.

Good interest free period and easy to apply. I definitely recommend Reviewed on: 30th June 2026

Easy and safe way to make purchases and receive money

I regularly use PayPal for sending and receiving money both personally and in my role as treasurer for a charity and it is so easy and quick to use. The app and website make it so simple to check your account and track activity. The option to pay using goods and services also provided protection when making new purchases from a source you don’t regularly use. I also use PayPal credit which is a great way of making larger one off purchases allowing more time to pay them off. Again the app makes it so easy to track how much I have spent and I like the option to make a payment at any time as well as the monthly payment which cones out via direct debit so I don’t have to think about it!! Reviewed on: 30th June 2026

Flexible finance

Allows extra finance flexibility especially for more expensive purchases, together with the 0% interest for split payments. Reviewed on: 30th June 2026

Good and easy to use.

Good and easy to use.i like the ease and the fluid way iy all works together Reviewed on: 30th 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 Close Brothers 3.17 from 12 reviews
Payments
from PayPal 4.71 from 3855 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 101280 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