Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181152 reviews)

View other PayPal products

4.73

Based on 181,152 reviews, last reviewed 19th Sep 2026

61% decrease in 5 star reviews

in the past 90 days

48% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal is the best to use on line I am always ready to use PayPal as it is convenient, easy to use on the go. I have always bought my travel tickets knowing if there is a problem, the ... Read more Reviewed on: 19th 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 (181152)

Seamless experience

Really quick and easy to setup and approval was also quick Reviewed on: 9th June 2026

Easy to apply & fast decision upon applying.

Easy to apply & fast decision upon applying. Credit limit offered is reasonable. Reviewed on: 9th June 2026

Very good app, easy to use, would recommend

Very good app, easy to use, would recommend Reviewed on: 9th June 2026

my only problem

The only problem I have with PayPal is not having the ability to apply payments to certain transactions (ie( purchases made over say 4 months . it seems i have to pay of my full balance to avoid interest. I hope this makes sence Reviewed on: 9th June 2026

Very easy to use and maintain a good standing.

Very easy to use and maintain a good standing. Had no issues in all the years of using Paypal Credit Reviewed on: 9th June 2026

Excellent Experience with PayPal Credit

I use PayPal Credit frequently, and it has genuinely made my online shopping and budgeting much easier. The 0% interest for 4 months is especially helpful — it allows me to split payments and manage my finances in a more flexible way without any extra cost. The whole experience is smooth and effortless. There’s no additional setup required, and every transaction is clearly displayed in the history section. I can easily see which purchases qualify for the 0% offer, track when the promotional period ends, and receive helpful reminders so I never miss anything important. Repayment options are also very clear and easy to manage, which gives me a lot of confidence when using the service. Overall, PayPal Credit has been reliable, transparent, and extremely convenient for my day‑to‑day spending. Reviewed on: 9th June 2026

Easy to use service and excellent app.

Easy to use service and excellent app. Very easy to navigate Reviewed on: 9th June 2026

Great reliable and easy service.

Great reliable and easy service. The app is easy to use and it always delivers. It only gets better as more shopping platforms accept PayPal. Reviewed on: 9th June 2026

I love PayPal credit.

I love PayPal credit. It offers different ways to pay… 4 months 0%, pay in 3 also with 0% and then you also have the option to spread the cost over a year at a really reasonable rate. I’ve used it so many times and I think it’s brilliant. Reviewed on: 9th June 2026

easy option

easy option for quick delayed payment options 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

Very Pay
from Shop Direct 3.48 from 29 reviews
Retail finance
from Novuna Personal Finance 4.72 from 173 reviews
Loan
from Snap Finance 4.81 from 370 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