Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181153 reviews)

View other PayPal products

4.73

Based on 181,153 reviews, last reviewed 21st Sep 2026

62% decrease in 5 star reviews

in the past 90 days

49% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really good and flexible account Really good and flexible account, easy to manage and view. I like that I can easily manage my transactions and use pay in 3 option that gives me more ... Read more Reviewed on: 21st September 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 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 (181153)

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

I use PayPal very often and like the fact that you c...

I use PayPal very often and like the fact that you can pay interest free over 4 months Reviewed on: 15th July 2026

Its very useful when you are able to have 0% interes...

Its very useful when you are able to have 0% interest for 4 months. Reviewed on: 15th July 2026

Excellent service.

Being excellent. Money was taken out of my account, and I couldn't remember the merchant. PayPal refunded my money. The merchant did contact me by email. Reviewed on: 15th July 2026

Easy, reliable, handy.

Easy, reliable, handy. Accepted by most online retailers Reviewed on: 15th July 2026

It is very reliable when you need money

It is very reliable when you need money Reviewed on: 15th July 2026

Quick and easy.

I found it really easy to sign up for and easy to use. . I've never had any problems with the system and communication is excellent. Highly recommend to others like friends and family. Reviewed on: 15th July 2026

Ability to spread cost of high value items

Really useful to be able to spread cost of high priced items over a period of time especially the pay in 3 which is interest free. PayPay has improved significantly over recent years and their website is clear and easy to follow. Easy to track payments and amounts owing. Reviewed on: 15th July 2026

Excellent and simple.

Excellent and simple. It's more often than not my go to credit option due to the variety of repayment options Reviewed on: 15th July 2026

So easy to use!

So easy to use to shop online and my money is protected if there is an issue! Reviewed on: 15th July 2026

Reliable and easy to used PayPal

Reliable and easy to used PayPal Reviewed on: 15th 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

Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Zebra Finance 4.08 from 6 reviews
Very Pay
from Shop Direct 3.48 from 29 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101307 reviews
Payments
from PayPal 4.72 from 3854 reviews
Credit card
from PayPal 4.66 from 126 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