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

PayPal PayPal Credit reviews (181154)

I found it very easy to use and it has...

I found it very easy to use and it has helped me a lot Reviewed on: 9th June 2026

Never had a bad experience so far.

Never had a bad experience so far. It’s a great service and just gives you that little bit extra flexibility if needing something now but getting paid later. Regularly informed about payment due dates ant the PayPal app is great for this too. Reviewed on: 9th June 2026

Simply pay pal

Everything on the app is easy to find and simple to use Reviewed on: 9th June 2026

PAYPAL we're very helpful with an issue that occurre...

PAYPAL we're very helpful with an issue that occurred with an Influencer former Page 3 model from South Yorks. She thought the rules didn't apply too her, but PAYPAL held her accountable and she paid a heavy price Reviewed on: 9th June 2026

PayPal offers a variety of financial banking needs!!!

I have used PayPal in England for over Ten years for personal transfers, online shopping, and managing business payments. It remains the most reliable digital wallet in my daily routine. The primary reason I use PayPal is peace of mind. Shopping on unfamiliar websites can feel risky. PayPal acts as a secure buffer because I never have to expose my credit card numbers directly to merchants. Their Buyer Protection program is excellent. When an online order never arrived last year, the dispute process was straightforward, and I received a full refund within days. Seamless Peer-to-Peer Transfers Sending money to friends and family is instant and hassle-free. Whether splitting a dinner bill or sending birthday money, the app updates balances immediately. Linking a bank account or debit card takes seconds, and the lack of fees for standard transfers makes it a superior alternative to traditional banking apps. Almost every major American online retailer accepts PayPal. The "One Touch" checkout feature saves me immense time by bypassing tedious shipping and billing forms. Additionally, the mobile app is incredibly intuitive, making it easy to track subscriptions and print transaction receipts for tax purposes.Final VerdictPayPal combines robust security, speed, and universal acceptance into one platform. It is an indispensable financial tool that simplifies how I spend and manage money daily. Reviewed on: 9th June 2026

I like it very and it's well thought out.

I like it very much and it's well thought out. Reviewed on: 9th June 2026

I can’t do without PayPal at this point.

I can’t do without PayPal at this point. It’s been a saving grace for me for years. Excellent and no stress . Reviewed on: 9th June 2026

Easy to use.

Easy to use. Many different ways to pay. Good now you can have a physical card opens up many different payment options Reviewed on: 9th June 2026

Very easy to deal with and will sort any issues quic...

Very easy to deal with and will sort any issues quickly Reviewed on: 9th June 2026

PayPal credit is a great service and very useful

PayPal credit is a very good way to buy things and being able to pay at a later date with a very good time windows to pay back over monthly. I have found it really useful. The app, site and customer service and functionality are all great, very easy to use 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 V12 Retail Finance 4.44 from 25 reviews
Payments
from PayPal 4.72 from 3854 reviews
Very Pay
from Shop Direct 3.48 from 29 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