Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (174325 reviews)

View other PayPal products

4.73

Based on 174,092 reviews, last reviewed 9th Jul 2026

1375% increase in 5 star reviews

in the past 90 days

1263% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

"I highly recommend PayPal Credit for anyone looking... "I highly recommend PayPal Credit for anyone looking for a flexible way to finance online shopping. The biggest advantage is the 0% interest offer for... Read more Reviewed on: 9th July 2026

Latest lowest rating:

2

The card keeps being rejected and I lose out on my p... The card keeps being rejected and I lose out on my points and it's embarrassing when it's declined Reviewed on: 9th 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

PayPal PayPal Credit reviews (174345)

I use credit all the time it helps to split bills in...

I use credit all the time it helps to split bills into 4 easy payments at no cost Reviewed on: 9th June 2026

Informative

Very easy to use and keeps me updated on my account and money.. easy and flexible payment schemes. Can be used in the in the UK and all over the world. Very helpful payment methods Reviewed on: 9th June 2026

Great help

Paypal credit is an amazing help weneer you are struggling or need an emergency shopping. Reviewed on: 9th June 2026

Very flexible, and safe way to pay.

Very flexible, and safe way to pay. Nice to have multiple payment methods with one provider Reviewed on: 9th June 2026

PayPal is Excellent

Its just easy and Excellent to use Reviewed on: 9th June 2026

Consistently providing excellent value for the inves...

Consistently providing excellent value for the investment. Reviewed on: 9th June 2026

Easy to navigate, all the information was provided p...

Easy to navigate, all the information was provided prior to opening the credit account. Protects the user and good exchange rates. Reviewed on: 9th June 2026

Highly recommend Paypal credit to help spread the cost

The by now pay within 4 months with 0% interest has been a life saver on multiple occasions. It has provided the flexibility to pay towards urgent purchases whilst spreading the cost without interest. Highly recommend! Reviewed on: 9th June 2026

Easy to use and understand

When I thought it is difficult but with paypal it is even easier Reviewed on: 9th June 2026

I've been with PayPal since 2012 and I've never had...

I've been with PayPal since 2012 and I've never had any issues with them. Reviewed on: 9th 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 Omni Capital Retail Finance 3.99 from 4 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 96468 reviews
Payments
from PayPal 4.71 from 3840 reviews
Credit card
from PayPal 4.70 from 121 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