Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (80099 reviews)

View other PayPal products

4.90

Based on 80,099 reviews, last reviewed 21st Apr 2026

2702100% increase in 5 star reviews

in the past 90 days

7900% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Quick, easy and trusted payment Always quick, easy and trusted payment with affordable payment options when needed Reviewed on: 21st April 2026

Latest lowest rating:

2

Not bad but you can find better deals Not bad but you can find better deals Reviewed on: 21st April 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 (80099)

Always good when I need buy something

Always good when I need buy something Reviewed on: 26th May 2025

Never had an issue but when there is any problem wit...

Never had an issue but when there is any problem with a transaction paypal is always quick and easy to be contacted. Reviewed on: 26th May 2025

Quick, excellent, no burecroxy and value for money

Quick, excellent, no burecroxy and value for money Reviewed on: 26th May 2025

0% for 4 month

The option to do split payment with free interest for 4 months for a purchase is a good one! Reviewed on: 26th May 2025

No interest on over £100 shopping for four months!

PayPal Credit is a great way to fund more expensive buys. It’s straight forward service, easy to use and to manage. Many online retailers allow PayPal credit which is great when in need of a little help to spread the cost of living. The 0% interest policy for shopping over £100 is the best feature. Reviewed on: 26th May 2025

Great loans, credit services and easy to use.

Great loans, credit services and easy to use. Reviewed on: 26th May 2025

It has been a perfect online experience.

It has been a perfect online experience. So easy to set up and use and manage. A wonderful thing to have at your disposal when you need it. Makes modern life just that bit easier to manage. Reviewed on: 26th May 2025

Efficient, quick to set-up, helpful, limited

I find paypal credit useful for keeping money aside for online orders when the finances are low. The interface is easy to use and the time to set up paypal credit is very rapid. Only limitation is not being able to transfer credit to friends and family. Reviewed on: 26th May 2025

Simplified borrowing

PayPal credit is easy to understand. The communication is very good, making it easier to keep on top of payments . Reviewed on: 26th May 2025

Brand name is synonymous with security.

Brand name is synonymous with security. Excellent service that has been consistent. Reviewed on: 26th May 2025

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 4.76 from 6 reviews
Retail Finance
from Close Brothers 2.53 from 12 reviews
Retail Finance
from Omni Capital Retail Finance 4.00 from 4 reviews

Want to see more from PayPal?

PayPal Open
from PayPal 5.00 from 4 reviews
Pay in 3
from PayPal 4.93 from 36686 reviews
Credit card
from PayPal 4.92 from 64 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