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 181,153 reviews, last reviewed 21st Sep 2026

62% decrease in 5 star reviews

in the past 90 days

49% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really good and flexible account Really good and flexible account, easy to manage and view. I like that I can easily manage my transactions and use pay in 3 option that gives me more ... Read more Reviewed on: 21st 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 been with paypal for 26 years now so have no compl...

I been with paypal for 26 years now so have no complain. Reviewed on: 9th June 2026

Very happy customer :-)!

Very straight forward, simple and clear instructions Reviewed on: 9th June 2026

Reliable and convenient .

Reliable and convenient . With time the service offered have become more of the above. My only wish is that there were more offers and rewards. Reviewed on: 9th June 2026

Paypal excellent!

Paypal? I've always been very good to me. Sorting problems out as I am not very good on computers and the credit is very good to use especially the free month payment plan. Used it several times and I've used the credit for several times of purchasing and always been very good. Can't fault PayPal at all Reviewed on: 9th June 2026

I've had zero issues when purchasing items through u...

I've had zero issues when purchasing items through using PayPal. Reviewed on: 9th June 2026

Paypal offers a good service with access to rewards...

Paypal offers a good service with access to rewards and controls on your payments Reviewed on: 9th June 2026

I've used PayPal credit many times now and it's alwa...

I've used PayPal credit many times now and it's always very easy to use and if you pay in 3 there's no interest to pay Reviewed on: 9th June 2026

Always there when I need and extra pennies

Use PayPal credit for few years now...Always there when I need to buy something online and I am short of money...Use it most of the time in online transactions because its safe...Fast to login with fingerprint...Paying monthly on direct debit nice and easy...Apr is not too bad...Like it a lot but need to keep an eye on it so you don't go to crazy...Only use it when I need it and happy about it....Better than credit cards...thanks Reviewed on: 9th June 2026

great alternative to store credit

I feel the APR is a little high but it’s not unreasonable. Reviewed on: 9th June 2026

Paypalbeen using PayPal for many years now and ever...

I have been using PayPal for many years now and everything have perfectly so it’s wonderful I you should keep it up because you’re doing great work 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 4.81 from 370 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 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