Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181066 reviews)

View other PayPal products

4.73

Based on 181,064 reviews, last reviewed 27th Jul 2026

140% increase in 5 star reviews

in the past 90 days

191% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Love to use my PayPal account Easy and fast and trusted payment methods Reviewed on: 27th July 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 (181066)

I use pay pal for more than 10 years.

I use pay pal for more than 10 years. I feel safe to do transfers, payments and shopping in pay pal. I know if I have some issue with my purchase problem will be solved immediately. Pay pal is trustworthy and suggesting to everyone to use Pay pal for payments. Reviewed on: 18th June 2026

An amazing way of paying over time with 0%, which ha...

An amazing way of paying over time with 0%, which has made it possible for me and my daughter to go away for afew days by using PayPal credit. Paypal is also amazing for Christmas, getting gifts and paying off. Christmas is now less stressful financially. Reviewed on: 18th June 2026

Excellent very good helpful nice to have it helps wh...

Excellent very good helpful nice to have it helps when you need it and good value Reviewed on: 18th June 2026

Finally, Credit Without the Headache

PayPal Credit has been a genuine relief for me. I'd tried going through other brokers and institutions before, and every time the process felt like wading through endless paperwork, confusing requirements, and approval steps that seemed designed to wear you down. I kept giving up halfway through. PayPal Credit was the complete opposite. Setting it up was quick and straightforward, and I didn't have to jump through a dozen hoops to get approved. The whole thing was integrated right into an account I already use, so there was no learning curve and no stress. Honestly, it's the only line of credit I have. Every other option I looked into was so complicated that I never followed through, but PayPal made it simple enough that I actually stuck with it. If you've been put off by how complex traditional credit cards and lenders can be, this is worth a look. It's been reliable, easy to manage, and exactly what I needed. Reviewed on: 18th June 2026

Have used PayPal credit a long time now and did mana...

Have used PayPal credit a long time now and did managed my account well until the cost of living crisis when all bills were rising i was stuck with too many bills to pay and not enough money to live off. Missed a few payments on PayPal credit but customer services have been very helpful. Never missed payments before on anything but found myself in a hole i cant get out off. Oh well never mind things will sort themselves out as they always do. Have found PayPal to be supportive and not put me under more pressure, they have provided helpful tools to help me manage money better and not miss further payments. Fully recommend. Reviewed on: 18th June 2026

Reassuring

Friendly, safe, feel reassured when using PayPal Reviewed on: 18th June 2026

Easy and quick

Easy to pay with pay pal. Amazing. Fantastic Reviewed on: 18th June 2026

Best Inline Credit Facility over 4 months

Been using PayPal credit for several years now. The pay in 4 month facility has saved me a fortune in interest rates. Reviewed on: 18th June 2026

Great service.

Great service. Better than Klarna. Reviewed on: 18th June 2026

PayPal is really easy to use and I feel safe using it!

PayPal is really easy to use and I feel safe using it! The app is simple to use. Reviewed on: 18th 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 V12 Retail Finance 4.44 from 25 reviews
Very Account
from Shop Direct 3.18 from 28 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 101235 reviews
Payments
from PayPal 4.70 from 3855 reviews
Credit card
from PayPal 4.67 from 124 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