Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (147213 reviews)

View other PayPal products

4.73

Based on 146,832 reviews, last reviewed 1st Jul 2026

4411600% increase in 5 star reviews

in the past 90 days

12700% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I’ve used PayPal for a very long time. I’ve used PayPal for a very long time. It’s helped me buy with ease of paying monthly affordabley. Reviewed on: 1st July 2026

Latest lowest rating:

2

Opened a case for a high value item Opened a case for a high value item provided evidence that items are missing and PayPal are still dragging their heels Reviewed on: 1st 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 (147214)

I have used PayPal for many years and it's different...

I have used PayPal for many years and it's different products/services. Always a hassle free process & user friendly. Reviewed on: 7th May 2026

Great experience and a life saver

I’ve had a really positive experience using PayPal Credit. It has made online shopping much easier and more flexible, especially when unexpected expenses come up. The application process was simple and quick, and I received a decision almost immediately. One thing I appreciate most is the ability to spread payments over time instead of paying everything upfront. The monthly repayment options are clear and manageable, which helps with budgeting. I also like how smoothly it integrates with PayPal during checkout, making transactions fast and secure. Another great feature is the promotional offers on certain purchases, especially the interest free periods when payments are made on time. It gives peace of mind knowing I can make important purchases without immediate financial pressure. Customer service has also been helpful whenever I had questions about my account or payments. The online account management is straightforward and easy to understand, allowing me to track balances and due dates without stress. Overall, PayPal Credit is a convenient and reliable financial tool for anyone who shops online regularly and wants extra payment flexibility. Reviewed on: 7th May 2026

Always great to use easy and clear.

Always great to use easy and clear. Intuitive and helpful. Great app and good customer service. Best thing is the points rewards Reviewed on: 7th May 2026

Very easy way to manage payments

So easy to use, for either debit or credit use Reviewed on: 7th May 2026

I'm happy is really good service for me

I'm happy is really good service for me Reviewed on: 7th May 2026

Fantastic, fast reliable and safe to use.

Fantastic, fast reliable and safe to use. Reviewed on: 7th May 2026

Great online shopping and now physical cards too!

I have been using PayPal since the early days of it. When I pay with PayPal, I feel safe. It's great to now have a physical copy of it as well! Helps out when needed and not only online! And I have had a couple of bad experiences with online shopping and they fixed everything for me! It is great, cannot fault it. Reviewed on: 7th May 2026

It was alright.

It was alright. The APR could be a bit lower. Reviewed on: 7th May 2026

Great to use easy and simple to check out using PayP...

Great to use easy and simple to check out using PayPal and the new reward system is great Reviewed on: 7th May 2026

Easy to understand and good communication with regul...

Easy to understand and good communication with regular updates about when payments are due. Reviewed on: 7th 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 V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Zebra Finance 4.06 from 6 reviews
Loan
from Snap Finance 4.82 from 370 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 78608 reviews
Payments
from PayPal 4.71 from 3757 reviews
Credit card
from PayPal 4.69 from 99 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