Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181025 reviews)

View other PayPal products

4.73

Based on 181,022 reviews, last reviewed 23rd Jul 2026

191% increase in 5 star reviews

in the past 90 days

241% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Excellent smooth sailing easy to use helpful custome... Excellent smooth sailing easy to use helpful customer service support Reviewed on: 23rd 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 (181025)

does what it says on the tin

Not much to say does what it says on the tin and the customer service is helpful Reviewed on: 9th June 2026

Never had an issues with my account it just works!

Never had an issues with my account it just works! Reviewed on: 9th June 2026

Love the free credit for 4 months.

Love the free credit for 4 months. Reviewed on: 9th June 2026

A good range of products

Efficient and effective with a good range of products Reviewed on: 9th June 2026

I've had nothing but consistently good experiences w...

I've had nothing but consistently good experiences with PP since I've been a member (many years ago). The credit options are very helpful especially during these trying times. Reviewed on: 9th June 2026

Always been a handy feature

Always been a handy feature and when I’ve reached out to customer services they’ve been very helpful and friendly Reviewed on: 9th June 2026

Excellent service, both online and with a credit card.

Paypal Credit is an excellent service, both online and using a credit card. It outclasses other credit cards by providing 0% finance on purchases of £99 and over for up to 4 months, and the Pay-in-3 service is very handy for urgent purchases below that limit. My experience has been problem free and I use it regularly. Reviewed on: 9th June 2026

PayPal is safe and secure and simple to use.

PayPal is safe and secure and simple to use. I can quickly move money to my family and pay for goods and services. Reviewed on: 9th June 2026

My go to company when purchasing items online.

My go to company when purchasing items online. Also great when you want extra protection or buying flexibility both online and in store. I use pay in 3 or PayPal credit (0% for 4 months) regularly as it is such a handy feature. It’s very convenient now you can add both a PayPal debit and credit card to your apple wallet etc as you can now use it in places that didn’t accept PayPal. Only minor negative I’ve had so far (after using PayPal for around 15 years) is there is no manual option to update your income for PayPal credit. Therefore they were using my salary from around 10 years ago to create my credit limit. I even spoke to customer services to try and update it, but I was told there was no reason to do so, despite a significant salary difference. They finally sent me a message on my account to update my income this month. Reviewed on: 9th June 2026

Convenient and secure

It easy to use on various platforms. Their credit options are very good. 4 months 0% interests.. Is secure and makes paying easy and hassle free. I don’t need to know all my different card details. 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
Very Account
from Shop Direct 3.18 from 28 reviews
Loan
from Snap Finance 4.82 from 370 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101199 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