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)

Handy card for short term interest free purchases.

Handy card for short term interest free purchases. Reviewed on: 10th June 2026

Easy, flexible, convenient.

It’s just very easy to use. Once approved, there’s no additional forms to fill in, you can make multiple purchases with ease, with a range of credit options to make life more flexible. Reviewed on: 10th June 2026

PayPal credit is easy to use when buying online

PayPal credit is easy to use when buying online and on bigger purchases often give four months interest free. Reviewed on: 10th June 2026

Being able to split costs over three or four months...

Being able to split costs over three or four months interest free is much needed at times to help budgeting in challenging times. Reviewed on: 10th June 2026

Very easy to use, great for splitting payment of hea...

Very easy to use, great for splitting payment of heating oil for example when £300 is too much to pay out at once so over 3 months is perfect. Reviewed on: 10th June 2026

Reliable and gives peace of mind

Reliable easy to pay off. 4 months to pay off helps organise self financially Reviewed on: 10th June 2026

Paypal is great and helpful for my needs!

Paypal is great and helpful for my needs! Reviewed on: 10th June 2026

Very good service,have enjoyed the flexibility on offer

Very good service,have enjoyed the flexibility on offer Reviewed on: 10th June 2026

PayPal is more than a platform it’s your Pal too

PayPal has always been there for me, especially in difficult or emergency situations ~ Thankyou for being a leader in your field, you have managed to find a way to connect people across the world just simply via your platform. Reviewed on: 10th June 2026

Good valueUsed PayPal for many years.

Used PayPal for many years. Good way to pay unexpected items with a view to pay in 3 or interest free 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 Novuna Personal Finance 4.72 from 173 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Payments
from PayPal 4.72 from 3854 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