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)

Great experience, always able to use for what I need...

Great experience, always able to use for what I need Reviewed on: 9th June 2026

Interest free credit

I love that you can use PayPal credit for 4 months interest free. Ideal for those slightly above budget purchases. This allows you to buy the item with no extra charges Reviewed on: 9th June 2026

Seamless - really easy to use.

Seamless - really easy to use. Like how it links to store and they digital card there as an option for high street. Reviewed on: 9th June 2026

Easy to use Fair usage policies Great offers

Easy to use Fair usage policies Great offers Reviewed on: 9th June 2026

Easy way to pay, gives good options, saves having to...

Easy way to pay, gives good options, saves having to enter my delivery details at time. Reviewed on: 9th June 2026

Great way to get the things you want.

Very positive its a great way to get the things you need, when you want & be able to spread the cost. Because the credit is always there to use there's no extra bits to fill in. Reviewed on: 9th June 2026

Life saver, never had any issues with PayPal being u...

Life saver, never had any issues with PayPal being using for many year, safe and secure Reviewed on: 9th June 2026

Good to have in need and it easy to use...

Good to have in need and it easy to use the app Reviewed on: 9th June 2026

I subscribed for the loan and in few minutes.

I subscribed for the loan and in few minutes.Quick and easy. Reviewed on: 9th June 2026

Great service !

Great service !! Always has been and always will be!! 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 Close Brothers 3.17 from 12 reviews
Very Pay
from Shop Direct 3.48 from 29 reviews
Loan
from Snap Finance 4.81 from 370 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101311 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