Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (176439 reviews)

View other PayPal products

4.73

Based on 176,386 reviews, last reviewed 11th Jul 2026

1277% increase in 5 star reviews

in the past 90 days

1144% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

It's the best way for online payments It's the best way for online payments Reviewed on: 11th July 2026

Latest lowest rating:

1

I paid through paypal for an item that turned out to... I paid through paypal for an item that turned out to be a scam. I provided proof and they still sided with the scammer with no option for me to take i... Read more Reviewed on: 11th 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 (176490)

Been using PayPal credit for a long time.

Been using PayPal credit for a long time. A very convenient way to shop around, keep up the good work Reviewed on: 9th June 2026

quickly, reliably and safely.

quickly, reliably and safely.no unnecessary formalities, you know what, how much and when Reviewed on: 9th June 2026

Ever transaction is seamless and you have peace of m...

Ever transaction is seamless and you have peace of mind in its safety. Reviewed on: 9th June 2026

The perfect debit credit account .

Convenient. Love the pay in 3. In fact love all the options to pay. The perfect debit credit account Reviewed on: 9th June 2026

Easy life with paypal!

Makes life easier for us especially the o% interest over £100 but if you stick to the dates etc so for higher purchases you have more flexibility without the burden of high interests etc now theres a physical card then points etc introduced it just keeps getting better and better now a debit card might just use paypal for actually EVERYTHING! Reviewed on: 9th June 2026

PayPal provide an excellent service with good option...

PayPal provide an excellent service with good options to pay back Reviewed on: 9th June 2026

A convenient and flexible credit option

I've used PayPal Credit for larger purchases and found it really useful for spreading the cost. The biggest advantage is the 0% interest period on purchases over £99, which gives flexibility without needing a traditional credit card. It's easy to use at checkout anywhere PayPal is accepted. Reviewed on: 9th June 2026

I’ve only used it once but honestly seems really goo...

I’ve only used it once but honestly seems really good the only thing that I’m struggling to understand is when I got something with 3 months interest free it doesn’t show the plan on the app just the whole amount Reviewed on: 9th June 2026

To easy bro

I use PayPal everyday from buying small items on the PayPal debit to very large items with pay in 3 or PayPal credit 0% over 4 months excellent experience always. Reviewed on: 9th June 2026

PayPal credit has been great, I mainly put big expen...

PayPal credit has been great, I mainly put big expense on it then pay it off with the 0% interest for four month. 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
Loan
from Snap Finance 4.82 from 370 reviews
Retail Finance
from Zebra Finance 4.08 from 6 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 97975 reviews
Payments
from PayPal 4.71 from 3846 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