Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (178476 reviews)

View other PayPal products

4.73

Based on 178,033 reviews, last reviewed 12th Jul 2026

892% increase in 5 star reviews

in the past 90 days

828% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

If not for paypal credit, I'd not have had flexibili... If not for paypal credit, I'd not have had flexibility with money, given gifts I couldn't afford in the one payment or experienced things I was too ne... Read more Reviewed on: 12th July 2026

Latest lowest rating:

2

Nightmare if you have more than one payment at a time If you have more than one credit at a time, PayPal has no option for prioritising a different payment that you have interest free months left on. It m... Read more Reviewed on: 12th 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 (178490)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

Fantastic product

Fantastic product, the processing is smooth Reviewed on: 10th July 2026

Good start

Good start Reviewed on: 10th July 2026

The gold standard

The gold standard in financial products Reviewed on: 10th July 2026

I always use PayPal for my peace of mind, knowing th...

I always use PayPal for my peace of mind, knowing that they are constantly vigilant about cybersecurity. Full marks to them. Reviewed on: 10th July 2026

I have been using PayPal credit since 2015.

I have been using PayPal credit since 2015. My credit limit is generous, 4 months free credit is such a good benefit in return for no annual fee charge. I also feel my purchases are protected via Paypal. Reviewed on: 10th July 2026

Very positive experience on many transactions acr...

Very positive experience on many transactions across pay in 3, immeadiate payment on ebay etc and debit and credit card. When I have contacted customer services queries have been been resolved promptly and professionally. Reviewed on: 10th July 2026

The payments are very simple and we have more option...

The payments are very simple and we have more options like pay in three and more which gives you peace of mind and ease financial burden that we have to pay everything in upfront. PayPal is also good with quick refunds once the order has been cancelled.Customer service is good in quick resolutions.Trust me I am using PayPal from past 6-7years and had few cancellations but never delayed in refunds.Hope they will introduce more service in future. Reviewed on: 10th July 2026

Its good and real time transactions processed.

Its good and real time transactions processed. Reviewed on: 10th July 2026

Easy and safe to use

Easy to set up with handy reminders about repayments, dates due and balance etc. Facility to pay off quicker is a bonus. Reviewed on: 10th July 2026

Excellent end to end service.

Excellent end to end service. I have not had to co tact customer service as they delivery of this product has always been smooth without any problems. Would recommend PayPal to anyone for secure transactions, credit and the varying short loan repayments woth no interest. Reviewed on: 10th 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

Very Account
from Shop Direct 3.18 from 28 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Zebra Finance 4.08 from 6 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 99261 reviews
Payments
from PayPal 4.71 from 3848 reviews
Credit card
from PayPal 4.70 from 122 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