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)

Help a lot when needed extra money

Help a lot when needed extra money Reviewed on: 9th June 2026

Good user interface, easy transaction sheet

Good user interface, easy transaction sheet Reviewed on: 9th June 2026

Easy to purchase with PayPal credit plus with no int...

Easy to purchase with PayPal credit plus with no interest in 4 months.. can’t be happier. I can afford to buy holiday packages for my family and pay later Reviewed on: 9th June 2026

been great help for spreading out purchase cost

Paypal credit been great help for spreading out the cost of things i brought and so many places been able to use it with on purchases big life saving and money managment. Reviewed on: 9th June 2026

It makes life so much easier and more affordable.

It makes life so much easier and more affordable. It also means I can grab the dog food at the end of the month and im not tied into any sketchy high interest charging agreements with websites. This way im not stuck juggling credit agreements or trying to remember where I have credit or having to out things on my credit card. It also comes with PayPal amazing protection which is more secure than my own back and they resolve issues in minutes. Reviewed on: 9th June 2026

Paypal is my real Pal.

Paypal is my real Pal. May purchases and transactions couldn't have completed without pal Paypal. Excellent pay in three along with good credit amount. There are times you have to plan finance and difficult times to pay at once. Pal, Paypal filled the gap and allows an easier plan to fulfil the impossible possible. I joined a long back and never regreted. Go on Pal..... Reviewed on: 9th June 2026

Easily paying anywhere, clear information on the web...

Easily paying anywhere, clear information on the website, good offers, helpful customer service, facilitating the return process if seller is unreliable, Reviewed on: 9th June 2026

Poor communication from customers service

Paypal provides a the good service, however their customer's service in respond to communication is very poor I have a paypal credit card and I am unable to activate it. I wrote to Paypal months ago, but to date I have had no response as to why I am unable to activate the card Reviewed on: 9th June 2026

I over the years have always had good service from p...

I over the years have always had good service from paypal, and hope to still continue using them. Reviewed on: 9th June 2026

So easy to use and really fair interest raates

So easy to use and really fair interest raates 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

Loan
from Snap Finance 4.81 from 370 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 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