Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

View other PayPal products

4.73

Based on 181,154 reviews, last reviewed 29th Sep 2026

65% decrease in 5 star reviews

in the past 90 days

53% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Best Customer service Best Customer service, and great value. Reviewed on: 29th September 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 (181154)

very good

very good and very easy Very good, very easy, and it makes things much easier. Reviewed on: 10th June 2026

Brill and easy to use!

Brill and easy to use! Would be amazing to win as a long term customer Reviewed on: 10th June 2026

I use it for all big purchases, for gifts, holidays...

I use it for all big purchases, for gifts, holidays and even my car insurance! It's great for managing money, it's a hybrid between a 24 month 0% and monthly 0% credit card. Reviewed on: 10th June 2026

PayPal is a fantastic financial partner!

I have been with PayPal for a couple of years now and benefitted from the customer centered products on offer. It has helped me financially in many ways. I have also sent and received teansfers safely ans easily. In summary, I am having a great experience using PayPal Reviewed on: 10th June 2026

Having an excellent experience using PayPal it’s ver...

Having an excellent experience using PayPal it’s very easy to use works in all shops and it’s great using the 4 months instalments Reviewed on: 10th June 2026

Pay in 3 is a nice system

I found one of the credit options confusing when it didn't automatically set up a repayments system. But now use pay in 3, which works smoothly. Reviewed on: 10th June 2026

Its sad that some retailers have stopped using PayPal

Its sad that some retailers have stopped using PayPal Reviewed on: 10th June 2026

always comes in handy, and easy to pay off

always comes in handy, and easy to pay off Reviewed on: 10th June 2026

Couldn't get a better service anywhere.

Everything is so straightforward. Prompt and excellent response when contacting customer services Reviewed on: 10th June 2026

Safe and Reliable

I feel that my transactions are safe whenever I use Paypal. 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 Close Brothers 3.17 from 12 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews
Retail finance
from Novuna Personal Finance 4.72 from 173 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