Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (146123 reviews)

View other PayPal products

4.73

Based on 146,027 reviews, last reviewed 29th Jun 2026

4374900% increase in 5 star reviews

in the past 90 days

12550% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great for new home Been a great way yo be able to get what I needed for my new house and be able to split the payment, meaning all items could be bought at once making m... Read more Reviewed on: 29th June 2026

Latest lowest rating:

2

I am requesting a full investigation into my PayPal... I am requesting a full investigation into my PayPal Credit account because I believe there may be an error in the way my account has been calculated. ... Read more Reviewed on: 29th 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 (146123)

PayPal credit better than credit card

I used PayPal pay in 3 for several different things, then they offered me a credit account of £2500 with 0% interest free for 4 months and still the payment are manageable. Would recommend PayPal to anyone. Reviewed on: 8th May 2026

More Than Finance: Security, Support & Peace of Mind

PayPal Credit has consistently proven itself to be an outstanding and dependable retail finance solution. From the very beginning, the application process was smooth, transparent, and quick, setting the tone for a service built around trust and ease of use. What truly distinguishes PayPal Credit is its exceptional flexibility. The ability to spread the cost of purchases—often with interest-free options—makes it an invaluable tool for managing finances without added stress. Combined with PayPal’s seamless checkout experience, it offers a level of convenience that is hard to match. However, what elevates PayPal Credit above its competitors is its unwavering commitment to customer protection. When I encountered an issue with a rogue trader, PayPal handled the situation with professionalism and efficiency. The claims process was clear, well-managed, and reassuring throughout—and most importantly, I received a full refund. That experience alone demonstrated a level of reliability and customer care that truly sets PayPal apart. In a market where trust and service matter most, PayPal Credit delivers on all fronts: flexibility, security, and outstanding support. It is, without question, a leading choice for retail finance and fully deserving of recognition at the Consumer Credit Awards. Reviewed on: 8th May 2026

I have been with PayPal many years find it easy to u...

I have been with PayPal many years find it easy to use transactions on buy now play later are smooth and straight forward Reviewed on: 8th May 2026

Reliable and has been part of my achievements.

Reliable and has been part of my achievements. Reviewed on: 8th May 2026

Very satisfied with the overall performance and qual...

Very satisfied with the overall performance and quality of service Reviewed on: 8th May 2026

Every time they solved my problem

Every time they solved my problem Reviewed on: 8th May 2026

Excellent service, prompt reply, good products on of...

Excellent service, prompt reply, good products on offer, good schemes Reviewed on: 8th May 2026

I’ve had a great experience using PayPal.

I’ve had a great experience using PayPal. It’s fast, secure, and very easy to use. I feel confident making payments, and everything works smoothly every time. Highly recommended! Reviewed on: 8th May 2026

Flexible options for all occasions

Widely available via a multitude of retail sites I particularly like the option to have a 4-month interest free period and in other cases even further flexibility. One retailer offered me a 36 month interest free period with PayPal. Outstanding. Reviewed on: 8th May 2026

Nice and easy, quick decision on credit that is very...

Nice and easy, quick decision on credit that is very convenient to manage via app or online. Reviewed on: 8th 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 Zebra Finance 4.06 from 6 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews
Payments
from PayPal 4.71 from 3757 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 77575 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