Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181112 reviews)

View other PayPal products

4.73

Based on 181,113 reviews, last reviewed 9th Aug 2026

41% increase in 5 star reviews

in the past 90 days

57% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Impressed with the service and how easy everything w... Impressed with the service and how easy everything works. Thanks. Reviewed on: 9th 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 (181112)

PayPal just makes life easier!

PayPal is ubiquitous and makes everything so much easier because of it. I trust PayPal instantly and if I ever have the option to use it for payment, it’s my first choice every time. Reviewed on: 25th June 2026

Always reliable and safe a must if using online

Always reliable and safe a must if using online Reviewed on: 25th June 2026

Very easy to use online

Very useful to be able to use easily online and keep track of purchases and the total balance. Also easy to dispute transactions and differentiate purchases made on promotional rates (e.g. no interest for 4 months). One negative is it takes a long time for the direct debit to be processed (might be my bank but I don't have this issue with others) Reviewed on: 25th June 2026

Great at offering service, customer service is also...

Great at offering service, customer service is also very good especially when opening a dispute Reviewed on: 25th June 2026

Easy to use, always clear on cost and terms.

Easy to use, always clear on cost and terms. Different credit options for various transactions make it simple to pick the best deal Reviewed on: 25th June 2026

Always works well.

Always works well. it is an excellent way to spread the cost of purchases. Reviewed on: 25th June 2026

Freedom and protection

PayPal credit allows me to have a little bit more freedom with money but not worry too much about it being so much of a credit card. With also the added protection of knowing PayPal protects your details at all costs. I would 100% recommend. Reviewed on: 25th June 2026

Used for a few years very handy at times

Used for a few years very handy at times Reviewed on: 25th June 2026

PayPal Services Appraisal

Each and every time it has been excellent as well as on top of the game with upgrades as changes. Reviewed on: 25th June 2026

Easy to setup, and simple to use.

Easy to setup, and simple to use. Super simple integration into existing paypal products and offers simple ways to monitor transactions and balance and also to make repayments. The app lets me know what is outstanding payments there are so i'm always informed. Reviewed on: 25th 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 Omni Capital Retail Finance 3.99 from 4 reviews
Loan
from Snap Finance 4.82 from 370 reviews
Very Account
from Shop Direct 3.18 from 28 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101274 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