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)

Their customer service is excellent

Their customer service is excellent Reviewed on: 12th July 2026

A generous system for limited credit

Paypal Credit is the best credit-card-like system I’ve ever used. With the recent addition of the Paypal Credit Card, it is the best credit card I’ve ever used with one exception. Like any credit card system, you pay for your purchase then have a limited time to pay it back. However, purchases over £100 can be paid back over 4 months without accruing interest. Additionally, purchases in foreign currency can (I think if using Paypal Credit directly rather than their credit card) have their currency converted to your own at Paypal’s own rate, which may be a better offer than the usual currency conversion fee - but I’m unsure if I’m right about this. I have been charged a currency conversion fee on one purchase made via the credit card, which I wasn’t expecting. Otherwise the system is the same - a monthly rolling bill for any outstanding credit, with purchases under £100 accruing interest if not paid off, and interest accruing interest. Outstanding £100+ purchases will also begin accruing interest on the remaining balance once the 4-month interest free period is over. Main drawback is the credit limit - mine was originally (years ago) set higher, then reduced to its current limit of £1350 due to lack of use. At the time there was no PayPal credit card and a lot of places didn’t take PayPal. I now make much greater use of my credit and have been near my limit several times, but there has never been an offer to increase it nor is there an obvious method of requesting one. This means that it has a negative impact on my credit score, even though I’ve only once ended up accruing interest. On the customer service front, PayPal is online-only, and I’ve no feel for whether I’d have to fight through AI bots to get to a human or not. I’ve never had to, but the facelessness of it all discourages me from reaching out and asking about how to get my credit limit reviewed. Reviewed on: 12th July 2026

PayPal credit has been great through out the years

PayPal credit has been great through out the years Reviewed on: 12th July 2026

Easy to use convenient and equipped for the modern w...

Easy to use convenient and equipped for the modern world. The payment in three options also allows you to split the cost of bigger purchases to suit with most monthly wages. Reviewed on: 12th July 2026

It is a hilarious experience even log in not easy bu...

It is a hilarious experience even log in not easy but a wow result Reviewed on: 12th July 2026

Great credit options and fast and secure payments.

Great credit options and fast and secure payments. Reviewed on: 12th July 2026

It was super easy to set the account and use...

It was super easy to set the account and use it Reviewed on: 12th July 2026

The security provided by PayPal.

I ha e been a Pay pal client since 2014. As they ha e developed their service to customers and sice owning a smart phone i have been able to expand and build on their services provided.. I feel save buying online through their app. Reviewed on: 12th July 2026

Paypal credit have been helpful also enjoying their...

Paypal credit have been helpful also enjoying their benefits and they are loyal to their customers Reviewed on: 12th July 2026

PayPal is so easy to use, and with the options you n...

PayPal is so easy to use, and with the options you now have, credit, pay from account or pay in 3, this is a bonus 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 101313 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