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)

Good payment options and easy to use.

Good payment options and easy to use. Trusted by many Reviewed on: 10th June 2026

Easy and user friendly, able to track payments

I applied for PayPal Credit when I needed new mobile device as my old one stopped working. I got accepted within a seconds and was able to proccess with my buy. It was easy and straight forward to set up direct debit. Page is very user friendly where I can track and adjust my payments. Reviewed on: 10th June 2026

Paypal make everything easy in business and money

Paypal make everything easy in business and money Reviewed on: 10th June 2026

Super efficient , customer service is excellent

Super efficient , customer service is excellent Reviewed on: 10th June 2026

Excellent service helps me make purchases and spread...

Excellent service helps me make purchases and spread cost couldn’t ask for more Reviewed on: 10th June 2026

PayPal safer transactions

When paying with PayPal I know that I have extra protection with goods and money. When paying for goods with PayPal from new sellers it makes me feel better knowing that I can get PayPal to get involved if things go wrong with a transaction Reviewed on: 10th June 2026

So easy to pay by PayPal

So easy to pay by PayPal and the transaction is a lot safer than using a credit card. The pay in three is brilliant to spread the cost. Reviewed on: 10th June 2026

It’s always there if I need it.

It’s always there if I need it. great service. Easy to use. Reviewed on: 10th June 2026

Credit service

Very good service would recommend to anyone on a limited budget to spread the cost. setting up a payment amount is best so you don’t pay too much interest. Reviewed on: 10th June 2026

Paypal is an easy way to spread costs, see your bala...

Paypal is an easy way to spread costs, see your balance and has great 0% interest options. 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