Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181150 reviews)

View other PayPal products

4.73

Based on 181,150 reviews, last reviewed 17th Sep 2026

59% decrease in 5 star reviews

in the past 90 days

45% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Amazing!!! Just really easy to use and great company Reviewed on: 17th 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 (181150)

It’s helped me loads..

It’s helped me loads when I know I might be a little short some months Reviewed on: 9th June 2026

PayPal Customer Service is Supportive

PayPal in my use has been supportive to assist. Which is customer service needed. Thank you. Reviewed on: 9th June 2026

Paypal makes everything so much easier.

Paypal makes everything so much easier when using to purchase goods online. Reviewed on: 9th June 2026

Long term happy customer

I’ve used PayPal since it first came out And if I’ve ever had an issue with a fraudulent transaction or if I have not received an item they have provided superb customer service for greater on my bank Reviewed on: 9th June 2026

I use as easy no fuss clear account site and easy r...

I use as easy no fuss clear account site and easy repayment system with timely reminders Reviewed on: 9th June 2026

interest free 3 monthly payments

Use the interest free 3 monthly payments often. Helps spread the cost Reviewed on: 9th June 2026

great service and I always recommend you

always in first place and never disappointed Reviewed on: 9th June 2026

Totally recommend

Easy credit, I can always find any details I need in the app, so far it helped me out a lot Reviewed on: 9th June 2026

Most convenient option but there is a catch.

Paypal, places all your purchases, that have their interest charged on different terms, such as one purchase might be 0% for 4months, another 0% interest purchase might span over 12-month period instead etc; all those are all placed under a single balance in PayPal credit account. In practice with how they handle it, it means the funds are allocated in a not most efficient way for you. If you mix different purchases with different payment periods, you end up in the situation, where you are underpaying for some purchases and over paying others. You will soon have made 3-4x in advance payments for your largest purchase, and lack behind few smaller purchases that will start charging interest. In the past talking to the CS, would resolve this, and you could choose what you want to pay off first, long winded, but it worked. Nowadays they straight up refuse to allow you to allocate funds correctly, to take advantage of the 0% periods that both sides agreed to. It's a cheeky and horrible practice, that makes it super hard to use or reccomend their product if you are someone who want to utilise their credit option for several purchases you are looking to pay over several months. If you are someone who uses credit and pays it off full next month every time, you will love PayPal credit, due to wide adoption. They are however, no where near best credit provider, as they are not reporting positive credit history. If you can get a regular credit card do that instead, the convenience of PayPal linked so natively with eBay is not worth it, if you can build credit history with someone else. Reviewed on: 9th June 2026

great experience with PayPal Credit.

I've had a great experience with PayPal Credit. It's easy to use, payments are simple to manage, and the flexibility to spread the cost of purchases has been very helpful. Overall, it's a convenient and reliable service that I would recommend. 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
Loan
from Snap Finance 4.81 from 370 reviews
Payments
from PayPal 4.72 from 3854 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101306 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