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)

Easy to pay in three rates.

Easy to pay in three rates. Able to send money to friend with one click. Reviewed on: 9th June 2026

Nice and easy to use app!

Nice and easy to use app! Friendly team ready to solve all my issues! Reviewed on: 9th June 2026

A lifeline like no other !

I’ve been using PayPal for years, the service it provides is very convenient and helps to make my online finances more manageable, it simplifies all transactions and has enabled me to spread the cost interest free on almost all of my purchases, I would highly recommend to anyone. Reviewed on: 9th June 2026

Always Universal & Versatile and easiest payment met...

Always Universal & Versatile and easiest payment method from any platform, specially loved Debit and Credit card feature Reviewed on: 9th June 2026

easy to use, clear policies and convenient

easy to use, clear policies and convenient Reviewed on: 9th June 2026

Great to pay for items when pay day happens.

Great to pay for items when pay day happens. Reviewed on: 9th June 2026

Easy to useI found it very easy to use

I found it very easy to use and efficient Reviewed on: 9th June 2026

Very good and good customer service

Very good and good customer service Reviewed on: 9th June 2026

Very helpful

The 4 month interest free period of Paypal credit is so helpful. It helps to ease the financial bottlenecks that often happen with daily life. Whenever I've had to call Paypal about anything, the operators have been very helpful. Reviewed on: 9th June 2026

Good, I don’t pay interest as I pay it back within t...

Good, I don’t pay interest as I pay it back within the 4 months. Be handy if it changed to 6. 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 Omni Capital Retail Finance 3.99 from 4 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Very Pay
from Shop Direct 3.48 from 29 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101307 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