Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181155 reviews)

View other PayPal products

4.73

Based on 181,155 reviews, last reviewed 5th Oct 2026

75% decrease in 5 star reviews

in the past 90 days

73% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

been useing paypal for years and years been useing paypal for years and years Reviewed on: 5th October 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd 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

Awards

Best retail finance provider 2026

Awarded to the retail finance provider rated highest in customer reviews.
Best credit app 2026

Awarded to the credit union rated highest in customer reviews for their app

PayPal PayPal Credit reviews (181155)

PayPal has my back.

PayPal has my back.....if I need to pay, have it on credit and more importantly they protect me when someone tries to steal from me. Reviewed on: 10th June 2026

I have been using PayPal account I found it very...

I have been using PayPal account I found it very good Reviewed on: 10th June 2026

Very easy to set up and use the service.

Very easy to set up and use the service. Transparent pricing and good value compared to many others. The 0% interested period combined with the pay in three service has really helped us with cashflow and allowed us to keep things ticking over without accumulating uncontrollable debt. Reviewed on: 10th June 2026

Quality stuff

Its just been great right from.the get go Reviewed on: 10th June 2026

Reliable

Easy affordable pay. So helpful to my financial needs Reviewed on: 10th June 2026

Great service and handy to have

Great service and handy to have if you need to spread costs... any issues I've had have been dealt with efficiently by the team Reviewed on: 10th June 2026

Always fast to sort out any problems

Always fast to sort out any problems Reviewed on: 10th June 2026

Very easy to use,helpful, fantastic.

Very easy to use,helpful, fantastic. Better than any credit card ! Reviewed on: 10th June 2026

Very easy to use App, web platform is also very well...

Very easy to use App, web platform is also very well laid out making it easy to pay off your balance anytime. Reviewed on: 10th June 2026

PayPal credit and the debt card are great features,...

PayPal credit and the debt card are great features, it’s much preferred option. Reviewed on: 10th June 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 Omni Capital Retail Finance 3.99 from 4 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 101312 reviews
Payments
from PayPal 4.72 from 3854 reviews
Credit card
from PayPal 4.66 from 126 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