Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145409 reviews)

View other PayPal products

4.73

Based on 145,393 reviews, last reviewed 26th Jun 2026

4346600% increase in 5 star reviews

in the past 90 days

12500% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Paypal is easy to use, the credit facilities are fan... Paypal is easy to use, the credit facilities are fantastic and the Paypal credit card application was a breeze and has very competitive rates. Reviewed on: 26th June 2026

Latest lowest rating:

2

Been with you for 8 years and you are the only firm... Been with you for 8 years and you are the only firm that has never increased my pathetically low credit limit ! Reviewed on: 25th June 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 (145409)

PayPal got my back

Easy transaction I always use PayPal for online shopping they have my back if anything goes wrong Reviewed on: 17th June 2026

This is an easy and convenient way to pay

This is an easy and convenient way to pay and is a good option if you temporarily need additional funds. Reviewed on: 17th June 2026

PaypalCredit makes things affordable for me...

Most things that I would not have been able to afford become affordable because I can pay with PayPal. I am able to spread the cost and pay overtime without any stress or strain on my finances. Paypal credit gives 4 month grace. I am almost always able to make full payment without any problems. Reviewed on: 17th June 2026

Great experience

Great experience to keep money organised and protected Reviewed on: 17th June 2026

Regular use

I use PayPal regularly for purchases due to the fantastic customer support. Ease of use with the mobile app enabling me to see upcoming deliveries and keep on top of payments as well as the safeguards provided by PayPal which exceed that of my bank Reviewed on: 17th June 2026

It has been good.

It has been good. I got offers while the payment. Happy for it. Reviewed on: 17th June 2026

Excellent Service and Flexible

I’ve had an excellent experience with PayPal Credit. The application process was quick and straightforward, and the service has made managing larger purchases much easier. The flexibility of spreading payments over time is a huge benefit, and everything is clearly displayed within my account. Transactions are secure, payments are easy to track, and the platform is very user-friendly. I also appreciate the trust and convenience that PayPal provides when shopping online. Overall, a reliable and valuable financial service that I would highly recommend. Reviewed on: 17th June 2026

Excellent

PayPal is brilliant to spread the cost of things without paying interest. Very good for keeping your money safe. Definitely recommend! Reviewed on: 17th June 2026

PayPal is great, until it isn't!

PayPal is great, until You need to speak to somebody on the phone, then it's a nightmare. It has always been that way. Reviewed on: 17th June 2026

PayPal offers several ways to borrow.

PayPal offers several ways to borrow. It is quick, easy and secure to pay for things. Interest rate is quite high but a very convenient way to make purchases and have the option to pay over time. Reviewed on: 17th 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 Zebra Finance 4.06 from 6 reviews
Retail Finance
from Novuna Personal Finance 4.74 from 173 reviews
Loan
from Snap Finance 4.82 from 370 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 76375 reviews
Payments
from PayPal 4.71 from 3757 reviews
Credit card
from PayPal 4.69 from 98 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