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)

Always problem free.

Always problem free. Never had any issues Reviewed on: 9th June 2026

outstanding value

All in all a great company glad I joined Reviewed on: 9th June 2026

Never had any problems using Ebay

Never had any problems using Ebay Reviewed on: 9th June 2026

It's so convenient when sites take PayPal as a finan...

It's so convenient when sites take PayPal as a finance option Reviewed on: 9th June 2026

Very helpful

I have always found paypal easy to use and very helpful customer service Reviewed on: 9th June 2026

Safe and Confident

I have been with PayPal for more than 10 years. I feel safe and confident using PayPal. The 4 month interest free credit allowance is great for big purchases and the Pay in Three offers easy interest free convenience. Reviewed on: 9th June 2026

Quick, reliable and easy to deal with.

Quick, reliable and easy to deal with. Reviewed on: 9th June 2026

Every time I’ve had a query there’s someone on the e...

Every time I’ve had a query there’s someone on the end of the line at PayPal customer services only too happy to help Reviewed on: 9th June 2026

Very satisfied with PayPal Credit

I have had a very positive experience with PayPal Credit. The application process was simple, payments are easy to manage, and the service has always been reliable. It gives me flexibility when making purchases and I would happily recommend it to others. Thank you for the excellent service. Reviewed on: 9th June 2026

I've had a very positive experience with PayPal Credit.

I've had a very positive experience with PayPal Credit. The application process was straightforward, and the credit was available quickly once approved. I particularly like the flexibility it offers for larger purchases, allowing me to spread the cost over time while managing my budget more effectively. The integration with PayPal makes checkout simple and convenient, and I appreciate being able to view and manage my account online. The promotional interest-free periods on qualifying purchases have been especially useful when making larger purchases. As with any credit product, it's important to keep track of payments and understand the terms, but overall I've found PayPal Credit to be a helpful and reliable financial tool. I would recommend it to anyone looking for a flexible way to manage purchases and cash flow. 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 V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews
Retail Finance
from Zebra Finance 4.08 from 6 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101310 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