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)

PayPal is a game changer, super efficient and reliable.

PayPal is a game changer, super efficient and reliable. Reviewed on: 10th June 2026

Brilliant offers at first then the interest and char...

Brilliant offers at first then the interest and charges get added on in record high number compared to purchase Reviewed on: 10th June 2026

PayPal credit has saved me when I’ve struggled for m...

PayPal credit has saved me when I’ve struggled for money and an unexpected expense has come out e.g needing new car tyres or broken washing machine. and now you can use a card in store it’s really helpful! Reviewed on: 10th June 2026

App is clunky and direct debit set up continued not...

App is clunky and direct debit set up continued not to work. Reviewed on: 10th June 2026

I have used PayPal for some years and find them reli...

I have used PayPal for some years and find them reliable and trustworthy. The customer service is top notch and will handle every issue professionally. Their prompts and reminders for repayment/ payment due is recommendable but they would not spare you if you default. Reviewed on: 10th June 2026

Great lender

Responsible lender with great rates and value Reviewed on: 10th June 2026

The interest free enabled my to by a fridge freezer

Thanks to the amazing offer I was able to purchase an interest free loan to but my fridge freezer which otherwise I would be unable to afford. I feel so lucky and grateful. Reviewed on: 10th June 2026

Tracing credit transaction can be confusing

I have used PayPal for years, and the service is great. I recently got a PayPal credit card. The process of obtaining a card was very easy. How PayPal tracks transactions and payments is different from other credit cards. I find it confusing at times. Reviewed on: 10th June 2026

Easy to use

Great and very easy to use all on your mobile Reviewed on: 10th June 2026

Non issues, easy to use and fair rates - especially...

Non issues, easy to use and fair rates - especially when paying off within the credit time scales 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
Loan
from Snap Finance 4.81 from 370 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