Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148650 reviews)

View other PayPal products

4.73

Based on 148,510 reviews, last reviewed 4th Jul 2026

4488100% increase in 5 star reviews

in the past 90 days

13200% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Always so easy to deal with. Always so easy to deal with. Simple, straightforward and no nonsense! Reviewed on: 4th July 2026

Latest lowest rating:

2

The interest rate is too high. The interest rate is too high. It will take forever to pay off the credit even if the minimum payment is almost 5% of the outstanding balance. Reviewed on: 3rd 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 (148650)

Fast easy and reliable

Allows me to make purchases and receive money for items sold with ease and the minimum of fuss Reviewed on: 13th May 2026

4 months 0%, great customer service!

Love that you can pay over 4 months with 0% interest on a rolling basis, it’s great. Have had a couple of queries/disputes to raise, PayPal have always supported me as a customer, had good response times, kept me updated along the way and fought my case on both occasions leading to a favourable outcome for me! Reviewed on: 13th May 2026

Hello, I am very satisfied with PayPal services and...

Hello, I am very satisfied with PayPal services and have been using them for many years. The system is reliable and convenient, and it allows me to make online payments quickly and securely.Thank you... Reviewed on: 13th May 2026

Go too for secure payments

Always use PayPal, safe convenient and trustworthy Reviewed on: 13th May 2026

Fabulous

Always trusted, with greater credit facilities! Fabulous Reviewed on: 13th May 2026

PayPal works great, however managing payments, prior...

PayPal works great, however managing payments, prioritising ones with interest first before interest free ones is difficult, there should be better granularity when making payments, being able to pick specific ones to pay against. Reviewed on: 13th May 2026

I’ve found it an all round positive experience

I’ve found it an all round positive experience Reviewed on: 13th May 2026

Its really helpful and easy to use.

Its really helpful and easy to use. Reviewed on: 13th May 2026

Very good experience quick service

Very good experience quick service Reviewed on: 13th May 2026

So perfect

It is always perfect and was helpful when needed Reviewed on: 13th May 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 Close Brothers 3.17 from 12 reviews
Very Account
from Shop Direct 3.38 from 27 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 79678 reviews
Payments
from PayPal 4.71 from 3759 reviews
Credit card
from PayPal 4.70 from 101 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