Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148158 reviews)

View other PayPal products

4.73

Based on 148,011 reviews, last reviewed 3rd Jul 2026

4465350% increase in 5 star reviews

in the past 90 days

13050% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Excellent PayPal Excellent, PayPal is fast and efficient Reviewed on: 3rd July 2026

Latest lowest rating:

1

Had my PayPal on direct debit for 7 years. Had my PayPal on direct debit for 7 years. No issues. This week a phone call saying I am late with payment?? No it’s on DD so can’t be late it’s on pa... Read more Reviewed on: 3rd 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 (148158)

Very clear on credit limit with each option iE pay...

Very clear on credit limit with each option iE pay in three or PayPal credit and payment dates. Excellent option to pay in 3 without accumulation of interest especially if you don’t want to pay a lump some of money outright for whatever reason. Also have the option of using PayPal credit which also give you some excellent deals whether it be money of your next purchase or delayed interest period which I have to say is very good and a great way to pay for larger purchases whatever it may be as you can use PayPal pretty much everywhere and it has really made life a lot easier having the options of different ways to spread payments instead of having to pay a large sum outright. . I love the fact I can safely pay subscriptions through PayPal aswell aslong as using it as a full payment method as it’s safer then putting my bank details in and if any problems should arise PayPal customer service is excellent and will resolve any issue without hesitation. Any issue I have had being not receiving a refund when it’s due from items I have brought from retailers or needing a explanation on how PayPal credit works regarding interest the customer service team have always been amazing and quick to resolve any problem. I absolutely love using PayPal and if that’s an option to use at checkout I always use it as its a safer way to pay and I cant recommend using PayPal enough to people absolute genius way to safely shop online with confidence. Reviewed on: 20th June 2026

Overall good experience.

Overall good experience. One thing I don't like, is the fact that the interest charges are hidden inside the statement section and are quite high, compared to others. Reviewed on: 20th June 2026

Highly recommend

I have used PayPal for years and have always had great experiences with them. Reviewed on: 20th June 2026

So handy to have as I do alot of online shopping and...

So handy to have as I do alot of online shopping and most brands/websites come up offering PayPal as a way to pay Reviewed on: 20th June 2026

I use PayPal on a daily basis and it is a great plat...

I use PayPal on a daily basis and it is a great platform and easy to use. Reviewed on: 20th June 2026

Very helpful

Very helpful tru the hard life now. Reviewed on: 20th June 2026

Had a PayPal account for a few years and only starte...

Had a PayPal account for a few years and only started to make money Iinto it. Reviewed on: 20th June 2026

PayPal has been so easy to use, and the app lets you...

PayPal has been so easy to use, and the app lets you keep control Reviewed on: 20th June 2026

Best of the best

I have had a very good experience using my PayPal Credit Card. The application process was simple, and the card is easy to manage through the PayPal app. Payments are processed quickly, and the online account features make it convenient to track spending and manage repayments. Customer service has been helpful whenever I needed assistance. Overall, it has been a reliable and convenient credit card for my everyday purchases. Reviewed on: 20th June 2026

Reliable Option

I’ve been using PayPal Credit for several years, and it’s become one of those services I genuinely rely on. Life doesn’t always fit neatly around payday, and having the flexibility to spread the cost of larger purchases has been incredibly helpful. What I value most is the convenience and peace of mind. Whether it’s replacing an unexpected household item or making a planned purchase, the process is straightforward, transparent, and easy to manage through my PayPal account. I always know where I stand, and being able to make payments online quickly and securely makes managing my finances much simpler. For me, PayPal Credit isn’t just about borrowing money – it’s about having flexibility when I need it and confidence that I can stay in control of my spending. After many years of using the service, it’s remained reliable, easy to use, and an important part of how I manage purchases responsibly Reviewed on: 20th 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 Zebra Finance 4.06 from 6 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Very Account
from Shop Direct 3.38 from 27 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 79302 reviews
Payments
from PayPal 4.71 from 3759 reviews
Credit card
from PayPal 4.70 from 100 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