Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (62621 reviews)

View other PayPal products

4.90

Based on 62,621 reviews, last reviewed 13th Apr 2026

1089000% increase in 5 star reviews

in the past 90 days

3500% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Flexible payments with PayPal PayPal is very easy to use, flexible credit and available to use in many online retailers. With the split in 3 system is easier to place an order or m... Read more Reviewed on: 13th April 2026

Latest lowest rating:

2

I had bad experiences with customer services I had bad experiences with customer services Reviewed on: 13th April 2026

Read all reviews See your 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.

PayPal PayPal Credit reviews (62621)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

Great customer service, high interest.

Great customer service when needed. Interest rates can get quite high Reviewed on: 8th April 2026

It's good so far.

It's good so far. Good customer service. Sometimes take long to call you back Reviewed on: 8th April 2026

very comfortable for online shopping.

very comfortable for online shopping. Reviewed on: 8th April 2026

Safe and secure method for making payments!

PayPal for me is a safe and secure way of paying for goods and services. I find the Pay in 3 option extremely beneficial to help me afford more expensive purchases. I feel reassured using PayPal. Very good communication especially reminders ahead of upcoming payments. Reviewed on: 8th April 2026

Smooth first-time experience for my S26 Ultra purchase

This was my first time using PayPal Credit, and I used it to finance my new Samsung S26 Ultra. I was surprised by how quick and easy the application process was during checkout. The approval was instant, and the repayment terms were clearly explained. It’s a very convenient way to spread the cost of a major purchase. Highly recommended for the simplicity! Reviewed on: 8th April 2026

Easy and affordable credit, application it's easy an...

Easy and affordable credit, application it's easy and theres lots of places you can use the credit Reviewed on: 8th April 2026

Paypal easy to pay, rubbish customer service

Pay pal is quick and easy when you pay, its convenient and when it works great, however if you have an issue then the customer service is just a complete waste of time, never yet spoke to someone who speaks English as a first language and that is an issue in trying to have a conversation the whole process is difficult, frustrating and ultimately fruitless. So pay pal payments great, pay pal help/customer service virtually zero service of any kind and hopeless beyond belief. Reviewed on: 8th April 2026

I feel I can trust Pay Pal with my credit needs ever...

I feel I can trust Pay Pal with my credit needs every time. Reviewed on: 8th April 2026

Very positive.

Very positive. Use paypal a lot espcially the credit. Reviewed on: 8th April 2026

PayPal....the best companion

Information and personal details are always secure. The purchase process are fast and easy. It is generally convenient to shop with Pay pal. Its reliability is superb. Reviewed on: 8th April 2026

Alternative products

Retail Finance
from Zebra Finance 4.76 from 6 reviews
Retail Finance
from V12 Retail Finance 4.70 from 25 reviews
Payments
from PayPal 4.92 from 3669 reviews

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