Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (146526 reviews)

View other PayPal products

4.73

Based on 146,374 reviews, last reviewed 30th Jun 2026

4390750% 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

Great customer services Any time ive had to contact customer services my questions have been answered or appropriate advice given. My experience has been great. Reviewed on: 30th June 2026

Latest lowest rating:

1

PayPal credit Very easy to apply for and use good to spread the cost of items Reviewed on: 30th 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 (146526)

Simple to use and very flexible.

Simple to use and very flexible. Reviewed on: 7th May 2026

Easy to access and straight forward explanation.

Easy to access and straight forward explanation. I recommend to everyone Reviewed on: 7th May 2026

The Bar for Excellence

Every time I have needed to contact PayPal directly via Customer Support, the staff have been excellent and super friendly. I much rather use PayPal’s credit/pay in 3 system over any other company out there due to how fast and straightforward it is. Reviewed on: 7th May 2026

Great customer service, safe transactions and an eas...

Great customer service, safe transactions and an easy app make PayPal a pleasure to use. Reviewed on: 7th May 2026

Absolutely convenient and safe protected payment med...

Absolutely convenient and safe protected payment medium. Reviewed on: 7th May 2026

Very easy to pay for things online quick and easy an...

Very easy to pay for things online quick and easy and fast it takes a day or so to come out of your bank Reviewed on: 7th May 2026

Great customer service, and debit card rewards.

Recently needed help from PayPal customer services, the chat wasn't so easy but when I called using the contact number they where very helpful and sorted out my query and the problem I had. I really like the pay in 3 and the credit 0% over 4 month really helps break up larger payments. I have had a PayPal debit card this year, which I collect points when spending, with extra points to get if activate offers with uber, shops, food, travel etc. , which is a bonus, more than what my other debit cards are offering. I am always asking friends and family if they have PayPal, If kkt then they should get it. Reviewed on: 7th May 2026

It’s very easy to use PayPal credit....

It’s very easy to use PayPal credit and the interest rates are reasonable.I know that I will be able to afford the monthly payments.It’s so reassuring to know that I can buy something and repay the loan over a set period. Reviewed on: 7th May 2026

Excellent service

Paypal has provided excellent service and financial assistance during the time i have used it. Highly recommend Reviewed on: 7th May 2026

It made things easy for me very cost effective way t...

It made things easy for me very cost effective way to manage my finances and buy thing I really need 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 Zebra Finance 4.06 from 6 reviews
Retail Finance
from Novuna Personal Finance 4.74 from 173 reviews
Very Account
from Shop Direct 3.38 from 27 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 78040 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