Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (180529 reviews)

View other PayPal products

4.73

Based on 179,546 reviews, last reviewed 14th Jul 2026

571% increase in 5 star reviews

in the past 90 days

631% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

.buy with ease It’s fast n easy and the customer service is excellent Reviewed on: 14th July 2026

Latest lowest rating:

1

Its fine when you dont have encounter any issues but... Its fine when you dont have encounter any issues but as soon as you need to contact the customer support that is where pain starts. I dont believe any... Read more Reviewed on: 13th July 2026

Read all reviews See your 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.

PayPal PayPal Credit reviews (180558)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Great online credit account

I like and am using my PayPal account regularly for purchases online. It’s easy to keep track and run Reviewed on: 11th July 2026

Credit for those higher cost purchases

I have never had issues with PayPal credit, only using where the purchase cost is significant enough to spread payment over a fixed period. Reviewed on: 11th July 2026

Easy, accessible credit and piece of mind with their...

Easy, accessible credit and piece of mind with their money back guarantee. Reviewed on: 11th July 2026

Always handy and easy to use and no fuss pay back sc...

Always handy and easy to use and no fuss pay back schedules Reviewed on: 11th July 2026

Ease of Use and Total Transparency!

For online purchases, this service offers fast and convenient access to credit. It’s simple to use, easy to understand, and the app is well designed with intuitive navigation. In my opinion, the terms and conditions are fair, the whole process is transparent, and everything is explained clearly. It’s my first choice for purchases over £100. I haven’t yet tried the virtual card for iPhone, but it’s a feature I intend to use. Overall, I think PayPal is fantastic! Reviewed on: 11th July 2026

PayPal Service

Great to process transactions quickly. Reviewed on: 11th July 2026

Very quick and easy to use.

Very quick and easy to use. Quick response to queries Reviewed on: 11th July 2026

Used for booking a holiday online, couldn’t fault it!

I used PayPal credit as an option for booking an holiday online, I queried an increase of allowance and was provided this with no hassle at all. Once the credit was paid off I wanted to close the account only because I found a better suited option with a physical credit card for future use, I called PayPal customer service and they were super helpful and closed the account for me within 10 minutes! Couldn’t fault the process at all and would highly recommend to anyone looking for an easy way to build a credit score. Reviewed on: 11th July 2026

Always use PayPal for reassurance

Always use PayPal for reassurance Reviewed on: 11th July 2026

Fantastic flexible payments without pressure and hug...

Fantastic flexible payments without pressure and huge interest! Not pushy and have helped me in life situations that needed financial help Reviewed on: 11th 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

Loan
from Snap Finance 4.82 from 370 reviews
Very Account
from Shop Direct 3.18 from 28 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 100870 reviews
Credit card
from PayPal 4.70 from 124 reviews
Payments
from PayPal 4.70 from 3855 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