Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148746 reviews)

View other PayPal products

4.73

Based on 148,510 reviews, last reviewed 4th Jul 2026

4488100% increase in 5 star reviews

in the past 90 days

13200% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Always so easy to deal with. Always so easy to deal with. Simple, straightforward and no nonsense! Reviewed on: 4th July 2026

Latest lowest rating:

2

The interest rate is too high. The interest rate is too high. It will take forever to pay off the credit even if the minimum payment is almost 5% of the outstanding balance. Reviewed on: 3rd July 2026

Read all reviews See your 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.

PayPal PayPal Credit reviews (148746)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

PayPal beats banks for service

I've used all that PayPal has to offer and prefer nit to my bank. Reviewed on: 21st June 2026

TLDR: PayPal is great but would be better with...

TLDR: PayPal is great but would be better with additional features to help users manage timely repayments! Been using PayPal/PayPal Credit/Pay in 3 over 20 years and can only recall 1-2 minor issues in all that time, which were always swiftly addressed by PayPal CS when required. The convenience and ease of use is undeniable and has allowed me to purchase otherwise-unaffordable items/services safely & securely, and more importantly cost-effectively, countless times - especially after they implemented the 0-interest Pay in 3/4 options. However, one area that prevents a 5-start review is the ease of tracking and managing my various interest-free offers; admittedly this seems to have improved recently on the iOS app where the different options are better presented, with easier manual custom repayment setup, etc. but additional automatic notifications and in-app integration of soon-to-expire interest-free periods, reminders to pay/clear balances and other mechanics to assist users in efficiently managing and clearing their PayPal balances would be really helpful. Reviewed on: 21st June 2026

Easy to Use Credit Service

I've had a positive experience with PayPal Credit. The application process was straightforward, payments were easy to manage, and the account information was clearly presented. The service has been convenient for spreading the cost of purchases and making online payments. Overall, it has worked as expected and has been a useful payment option. Reviewed on: 21st June 2026

Exceptional customer service , fast response

Exceptional customer service , fast response Reviewed on: 21st June 2026

Great platform to use for multiple apps and websites...

Great platform to use for multiple apps and websites, so have been able to buy things from anywhere with peace of mind and protection from PayPal! PayPal Credit has also allowed me to spread the cost over time interest free, which has helped majorly with surprise spends (like car maintenance)! Reviewed on: 21st June 2026

Just does what it says i on the tin.

Just does what it says i on the tin. Payments quick and simple wherever paypal is accepted. Excellent service from an excellent server. Reviewed on: 21st June 2026

Shopping online with PayPal feel save and secure

Shopping online with PayPal feel save and secure Reviewed on: 21st June 2026

PayPal/PayPal Credit

PayPal is a convenient way to shop online and pay friends back without constantly typing in your card details. It keeps your financial info private, hiding it from websites. Plus, if you need extra flexibility, PayPal Credit It is good for bigger purchase, it gives you no interest for 6 months on anything over £99. Just make sure you pay it off in full before. Reviewed on: 21st June 2026

Always very helpful, swift service, you have very fr...

Always very helpful, swift service, you have very friendly and professional advisors. I got my issue sorted very quickly everytime I called and I appreciate the short waiting times. Paypal credit was a lifesaver when my fridge broke during COVID and I didn't need to spend any money upfront as I could just add it to my next installment Reviewed on: 21st June 2026

App is well designed and secure.

App is well designed and secure. PayPal Credit is really good. Reviewed on: 21st 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 Novuna Personal Finance 4.74 from 173 reviews
Better Off Calculator
from Policy in Practice 4.64 from 496 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 79730 reviews
Payments
from PayPal 4.71 from 3759 reviews
Credit card
from PayPal 4.70 from 101 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