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)

Ive not really had any issues except for the fact th...

Ive not really had any issues except for the fact that it takes ages for my PP credit payment to process. Reviewed on: 9th June 2026

Flexible options and great functionality .

PayPal has lots of useful options and great features. All the flexibility and functionality I need and costs me very little to use. I use the card to pay in all sorts of places where PayPal credit wouldn’t usually be an option. Reviewed on: 9th June 2026

I have used PayPal for as long as I can remember.

I have used PayPal for as long as I can remember. If I’m honest, if a retailer does not allow payment through PayPal, it does sway my decision to not purchase from them. PayPal has provided security for online payments for me. I also recently signed up to the rewards scheme which I am loving, as it’s retailers I shop with anyway. I also love using the credit option when I do a big order. I think their offers for interest free for so many months is really good too. Reviewed on: 9th June 2026

Really easy to use, value for money, and helpful

Really easy to use, value for money, and helpful Reviewed on: 9th June 2026

Great to allow financial flexibility

Great to allow financial flexibility Reviewed on: 9th June 2026

PayPal Credit A Great Service.

PayPal Credit is straight forward to use with many retailers. The statements could be clearer but overall, it is a great service for spreading the cost of retail purchase and in most cases, this can be interest free Reviewed on: 9th June 2026

Never had an issue so I have never needed to contact...

Never had an issue so I have never needed to contact customer services. Reviewed on: 9th June 2026

PayPal Credit is extremely easy and flexible to use,...

PayPal Credit is extremely easy and flexible to use, giving a nice amount of time without worrying about interest, or pay in 3 options. On the rare occasion I have needed to contact customer support, they have been incredibly helpful with my queries. Reviewed on: 9th June 2026

The most safe service

The most safe service, you shouldn’t worry about your money Reviewed on: 9th June 2026

Less hassel using PayPal.

Less hassel using PayPal. Also a lot more convenient 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

Loan
from Snap Finance 4.81 from 370 reviews
Retail finance
from Novuna Personal Finance 4.72 from 173 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 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