Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148268 reviews)

View other PayPal products

4.73

Based on 148,267 reviews, last reviewed 3rd Jul 2026

4477150% 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 helpful when i call, top security and purchas... Always helpful when i call, top security and purchase easily and confidently Reviewed on: 3rd 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 (148268)

Safe, secure and convenient to use

Safe, secure and convenient to use Reviewed on: 10th May 2026

Really Helpful.

The service allowed me to purchase an item on eBay I really wanted when I didn’t have the cash right away. Reviewed on: 10th May 2026

Good options for credits for Shetland term

Good options for credits for Shetland term Reviewed on: 10th May 2026

Not bad overall

Overall good but would be better is repayments were deducted instantly not timed. Have to check paymdent has gone through Reviewed on: 10th May 2026

very easy to manage highly satisfying

very easy to manage highly satisfying Reviewed on: 10th May 2026

Better than others

Not to bad easy to use can use every where Reviewed on: 10th May 2026

Really good service that could be relied upon.

Really good service that could be relied upon. Paypal credit is particularly useful Reviewed on: 10th May 2026

Excellent service.

Excellent service. Safe secure payment for online shopping and transfers of money gifts globally. I’m very happy with PayPal. Thank you. Reviewed on: 10th May 2026

Love their Pay in 3 interest free product

I use paypal credit very often. It helps spread the cost, especially the superb pay in 3 interest free on anything over £20 I also used their superb interest free for 4 months offer to pay for my holiday, so easy to pay back and settle that particular part. Reviewed on: 10th May 2026

Mostly use PayPal with confidence.

Mostly use PayPal with confidence. It's protected and secure. Reviewed on: 10th 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

Loan
from Snap Finance 4.82 from 370 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews
Better Off Calculator
from Policy in Practice 4.64 from 496 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 79366 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