Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181153 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 (181153)

Customer service

Excellent service delivery as a k Reviewed on: 9th June 2026

Nothing of any negative issue to report, simple stra...

Nothing of any negative issue to report, simple straight forward service Reviewed on: 9th June 2026

PayPal is very helpful when i need it

PayPal is very helpful when i need it Reviewed on: 9th June 2026

Really helpful for youngsters wanting credit

Very generous 0% Apr deals. Helped me build credit score Reviewed on: 9th June 2026

Very easy to use and very handy.

Very easy to use and very handy. Reviewed on: 9th June 2026

I have paypaExcellentl credit. Interest Rates

I have paypal credit. Interest rates excellent Reviewed on: 9th June 2026

Very convenient to use.

Very convenient to use. Very cosy effective Reviewed on: 9th June 2026

Trustworthy, reliable and safe

Used PayPal since I was younger and it’s a company, retailer and brand I instantly trust. If I have issues with any order and use PayPal I feel safer as a consumer but what’s important is that if I have issues PayPal sort it out. Customer service is always good and you can get hold of them which when you compare to klarna makes PayPal so much better. Klarna only care for the merchants where as PayPal cares for the customer too and help with disputes. This has been really helpful for me especially with a disability as I don’t have to battle to speak to customer service or have things sorted. Every encounter I’ve had or dispute I had to raise everyone at PayPal was helpful. It’s also easy to use and I feel protected which is what I value Reviewed on: 9th June 2026

It is very quick and easy to understand and use...

It is very quick and easy to understand and use Reviewed on: 9th June 2026

Have been using PayPal for many years and has always...

Have been using PayPal for many years and has always been very customer friendly and easy to use both personally and for business and also using whilst in other countries 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 Zebra Finance 4.08 from 6 reviews
Retail Finance
from Close Brothers 3.17 from 12 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