Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181155 reviews)

View other PayPal products

4.73

Based on 181,155 reviews, last reviewed 5th Oct 2026

75% decrease in 5 star reviews

in the past 90 days

73% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

been useing paypal for years and years been useing paypal for years and years Reviewed on: 5th October 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

Awards

Best retail finance provider 2026

Awarded to the retail finance provider rated highest in customer reviews.
Best credit app 2026

Awarded to the credit union rated highest in customer reviews for their app

PayPal PayPal Credit reviews (181155)

Ease of use and most secure payment system

Easy to use and reliable. When I see a payapal symbol on a merchant website I always select that as my preferred payment method as I know my money is secure with PayPal Reviewed on: 12th July 2026

Excellent customer service

I’ve had a few encounters with customer service and they have always been excellent and resolved my problem quickly. Reviewed on: 12th July 2026

Excellent Service

Value for money, easy access and security of using Paypay with purchases and your funds can be refunded Reviewed on: 12th July 2026

I can trust then

I really like how they deal with stuff and how they can split payments and all the offers they have, you can really trust them Reviewed on: 12th July 2026

Easy to use and manage

Easy to use and manage, helps me with my kash flow, always a good customer service when I need it Reviewed on: 12th July 2026

Excellent service

Excellent service by Paypal straightforward easy useable service. Reviewed on: 12th July 2026

It’s been great !

It’s been great ! For the last year PayPal really changed and really made my experience much better and I have never been so happy with it . Reviewed on: 12th July 2026

Secure and reliable

I like to use as feels secure rather than setting up and putting bank details with many different retailers. Checkout for using PayPal is made very easy and you can control how you pay off without paying additional charges. Of course if you need the facility of paying over longer term that is there too and all in one place with better rates than a lot of other options. Reviewed on: 12th July 2026

Best Payment System Out There

The easiest system I know for extending your payment plan to suit your financial requirements at that exact moment. Payback over 3 or 4 months (interest free) at the click of a button (well just a couple of clicks anyway). I have been using paypal for many years now and the pay in 3 system is the best out there. Reviewed on: 12th July 2026

Great support

PayPal have been really helpful for my and my family, sometimes stuff and things to pay comes around and you can’t predict it when you have children, that is when pay in 3 options comes around tinctedible help with not interest rates. Reviewed on: 12th 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
Very Pay
from Shop Direct 3.66 from 29 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101312 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