Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (180995 reviews)

View other PayPal products

4.73

Based on 180,993 reviews, last reviewed 21st Jul 2026

213% increase in 5 star reviews

in the past 90 days

268% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Extremely satisfied! I find the pay in 4 really useful and when needed the staff has been extremely helpful Reviewed on: 21st July 2026

Latest lowest rating:

1

Endless Loop Trying to Close PayPal Credit They make it almost impossible to close your PayPal Credit account. I've spent hours trying to get mine closed over multiple occasions, only to be tol... Read more Reviewed on: 17th 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 (180995)

I find it a good safety net should I need it.

I find it a good safety net should I need it. Reliable, fast and easy to use. Everything is convenient to access and support is at hand if it’s required. It’s a comfort to know my PayPal account is readily available. Reviewed on: 9th June 2026

Been using for a few years and no issues

Been using for a few years and no issues Reviewed on: 9th June 2026

Great payment option

Regularly use it, 0% interest offers and pay in three. Just wish that the interest free period was longer than 4 months Reviewed on: 9th June 2026

Pay in three, handy when cash flow isn’t great!

Pay in three, handy when cash flow difficult! Debit card points a good touch Reviewed on: 9th June 2026

Bonus points not added in previous offers

I have activated offers in the past but not received bonus points. For example: 10 points per £1 offer. Reviewed on: 9th June 2026

5 star app

Amazing to use, so easy and highly recommend to anyone shopping online Reviewed on: 9th June 2026

.1st class purchace protection

Paypals purchace protection is 1st class, if a problem arises with a purchace paypals refund protection gives peace of mind. I never buy if paypal is not offered at checkout Reviewed on: 9th June 2026

Would definitely recommend!

Easy and safe way to pay for goods etc, disputes are settled very quickly. The website and app are easy to navigate, would definitely recommend. Reviewed on: 9th June 2026

PayPal is one of my preferred online shopping platfo...

PayPal is one of my preferred online shopping platforms, offering me numerous options for instalment and deferred payment. Additionally, I possess credit which I can utilize now and settle later. I highly appreciate PayPal. Reviewed on: 9th June 2026

Safe and reliable source of credit.

Safe and reliable source of credit with easy repayments plan if required. I use the pay in three on occasions. And I like the wallet option which I use on my phone. It's widely accepted everywhere. Good communication on repayment dates and reasonable interest rate. 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 Novuna Personal Finance 4.73 from 173 reviews
Retail Finance
from Close Brothers 3.17 from 12 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 101176 reviews
Payments
from PayPal 4.70 from 3855 reviews
Credit card
from PayPal 4.67 from 124 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