Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (77005 reviews)

View other PayPal products

4.90

Based on 77,005 reviews, last reviewed 19th Apr 2026

2415500% increase in 5 star reviews

in the past 90 days

6900% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Excellent service Paypal gives clear answers to questions, with an excellent app and website and intuitive functionality. Problems are quickly resolved with a minimum o... Read more Reviewed on: 19th April 2026

Latest lowest rating:

2

Not transparent at all. Not transparent at all. Vague statements, suspicious disconnects from customer support, Reviewed on: 19th 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 (77005)

Review of the PayPal, PayPal Credit:

A good help to be honest, sometime you don't want to...

A good help to be honest, sometime you don't want to pay a big amount and spreading the payment for more months is great for buget. Reviewed on: 1st June 2025

Very Good experience enjoy using it

Very Good experience enjoy using it Reviewed on: 16th April 2026

Excellent job I have good experience with PayPal

Excellent job I have good experience with PayPal Reviewed on: 16th April 2026

Pay easy

Everyone is so help full and the system is so easy to use and understand also it is easy to keep track Reviewed on: 16th April 2026

I had any issues with auto payment refusal/cancellat...

I had any issues with auto payment refusal/cancellation. I called the customer service and zit was resolved and I was told that the last fee wasn't my fault. I was refunded the £12 penalty fee I paid earlier. They are the best Reviewed on: 16th April 2026

Really quick super good to tell you about offers

Really quick super good to tell you about offers Reviewed on: 16th April 2026

Fast and easy to use.

Fast and easy to use. A secure payment method Reviewed on: 16th April 2026

Easy to use and easy to pay for many different items...

Easy to use and easy to pay for many different items in many different stores Reviewed on: 16th April 2026

Great experience

Have been using them for years never any issues Reviewed on: 16th April 2026

Simple, Flexible, and Stress-Free Payments

I’ve had a really positive experience using PayPal Credit. It’s super convenient for spreading the cost of purchases, especially for bigger items, and the application process was quick and straightforward. I also appreciate how easy it is to manage everything through my account—clear statements, flexible payments, and no hassle. Definitely a helpful option if you want a bit more flexibility with your spending! Reviewed on: 16th April 2026

Great for short-term purchases if used wisely

I’ve been using PayPal Credit recently and my experience has been very smooth so far. The setup was quick and easy, and everything is clearly visible inside the PayPal app, which makes it simple to track spending and payments. One of the best features is the 0% interest offer for purchases over £99. It’s very useful for short-term flexibility, especially if you plan your repayments properly and clear the balance within the offer period. I also like that you can make payments anytime, not just on the due date. Customer service has been responsive and helpful whenever needed, and the statements are easy to understand. However, I would say it’s important to be careful. The standard interest rate is quite high if you don’t pay off your balance in full, and missing payments can lead to fees. So it’s best used responsibly. Overall, a good financial tool for managing short-term expenses, as long as you stay disciplined with repayments. Reviewed on: 16th April 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 Zebra Finance 4.76 from 6 reviews
Retail Finance
from Omni Capital Retail Finance 4.00 from 4 reviews
Payments
from PayPal 4.91 from 3678 reviews

Want to see more from PayPal?

PayPal Open
from PayPal 5.00 from 4 reviews
Pay in 3
from PayPal 4.93 from 35126 reviews
Credit card
from PayPal 4.92 from 63 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