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 use you often because I have the option of paying...

I use you often because I have the option of paying later. Reviewed on: 9th June 2026

The use and ease of PayPal credit has been great, ha...

The use and ease of PayPal credit has been great, had one incident of transaction unknown which was sorted promptly by the team Reviewed on: 9th June 2026

Simply PayPal

The protection you provide when buying on the Internet gives me great confidence to use PayPal all the time Reviewed on: 9th June 2026

I have had issues with supplies from various places...

I have had issues with supplies from various places over the years, PayPal have always been able to resolve or refund when issues can’t be resolved. Anything I buy is purchased with PayPal where possible, it gives the the confidence if I have a supply issue. Their interest rate is good and flexible payment terms to suit me on PayPal credit. In all, superb service and customer service team. Reviewed on: 9th June 2026

PayPal: Safe, Simple, and Reliable Every Time

I’ve been using PayPal for several years now, and it has consistently been one of the most reliable and convenient payment platforms I’ve used. Living in the UK and managing both local and international transactions, PayPal makes everything simple, secure, and fast. What I appreciate most is how easy it is to send and receive money, whether it’s splitting bills with friends, shopping online, or making international payments to family. The security features also give me peace of mind, especially when purchasing from new or unfamiliar websites. The mobile app is user-friendly, and I like how I can track all my transactions in one place. Customer support has also been helpful whenever I’ve needed assistance. Overall, PayPal has made managing my finances much more efficient, and it’s a service I trust and use regularly. I would definitely recommend it to anyone looking for a safe and convenient way to handle payments online. Reviewed on: 9th June 2026

Better like credit card I cancelled my credit card a...

Better like credit card I cancelled my credit card and use only PP Reviewed on: 9th June 2026

Amazing customer service is 2nd to none

Amazing customer service is 2nd to none Reviewed on: 9th June 2026

Fast service with lower interest rates than the othe...

Fast service with lower interest rates than the other Banks. Reviewed on: 9th June 2026

PayPal is accepted in a lot of places,

PayPal is accepted in a lot of places, which makes it the one you tend to choose to make your payments Reviewed on: 9th June 2026

Great customer service

Easy to use to pay online with a variety of your cards- you choose. Interest free for 4 months or pay in equal 3x monthly payments are great ways to manage your finances and cash flow for larger items without resorting to expensive credit cards. Account information could be a little easier regarding being user friendly but the more you use it the clearer and easier it is to use. Had an issue with my direct debit payment being somehow cancelled it but the customer service dept sorted it out very easily and quickly and also refunded my £12 charge for late payment without me asking for it. I use it all the time for online purchases. 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

Very Pay
from Shop Direct 3.48 from 29 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Retail finance
from Novuna Personal Finance 4.72 from 173 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