Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181051 reviews)

View other PayPal products

4.73

Based on 181,048 reviews, last reviewed 26th Jul 2026

157% increase in 5 star reviews

in the past 90 days

208% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Easy to use app Easy to use but lots of encouragement to increase credit limit which could encourage people into debt Reviewed on: 26th July 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 (181051)

Excellent service

Easy to access and whenever there has been bc an issue they have been able to intervene and solve the problem Reviewed on: 9th June 2026

PayPal Credit is making bigger purchases easier

PayPal Credit is a really convenient way to spread the cost of bigger purchases, and the reusable 0% interest offer for 4 months on purchases of £99 or more is especially appealing. It’s easy to use at checkout, works with thousands of online stores, and feels like a credit card without the plastic. What I like most is the flexibility: you can buy now and pay later without a separate application each time, which makes online shopping simpler and more manageable. Reviewed on: 9th June 2026

Great option to manage money and finances

Great option to manage money and finances Reviewed on: 9th June 2026

The first to trust me

I've been using PayPal credit for about 5 years now. PayPal credit was the first financial institution to trust me and give me credit for my needs without the need for heavy documentation to prove my credit worthiness. This has now helped me prove this over the years openingmore options for me in the financial space Reviewed on: 9th June 2026

Easy to use no hassle no fuss.

Easy to use no hassle no fuss.Digital and physical card available. It was easy to apply for with quick response and flexible repayment options. Reviewed on: 9th June 2026

A good reliable service at a good interest rate.

A good reliable service at a good interest rate. The only negative is the design of PayPal's website, navigation can be difficult. Reviewed on: 9th June 2026

Easy to use with regular payment update.

Easy to use with regular payment update. Reviewed on: 9th June 2026

Great service, great way to spread the cost of thing...

Great service, great way to spread the cost of things with a trusted company. Reviewed on: 9th June 2026

Having that little extra to help when money is tight.

Having that little extra to help when money is tight. Reviewed on: 9th June 2026

Paypal is easy and trustworthy

I have always found Paypal to be simple and convenient to use. The app is easy to navigate and keeping a track of paying off the credit is a breeze. On the odd occasion I have had any queries the Paypal team have got back to me quickly and been very helpful. Have trusted Paypal for many years, getting Paypal credit was just the logical next step. 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 V12 Retail Finance 4.44 from 25 reviews
Very Account
from Shop Direct 3.18 from 28 reviews
Retail Finance
from Novuna Personal Finance 4.73 from 173 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101218 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