Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181149 reviews)

View other PayPal products

4.73

Based on 181,149 reviews, last reviewed 14th Sep 2026

55% decrease in 5 star reviews

in the past 90 days

40% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Excellent service Paypal credit Excellent service and customer satisfaction Reviewed on: 14th 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 (181149)

PayPal is an excellent, trustworthy company.

I have used PayPal for many, many years. I have never had a single problem with them. I use the credit facility a few times a year and I find them very fair and very easy to use. I have no worries advising people to use them when needed. They have helped me out, when I needed them. Thank you. Reviewed on: 9th June 2026

Enjoying Paypal with all its benefits

PayPal has been so helpful in paying for my goods mostly when I don’t have cash or money in my account. I am very confident and happy that I get to use when I am in need and pay back later before the next payment date. Reviewed on: 9th June 2026

Clear and uncomplicated

I like how the process of obtaining credit was clear and uncomplicated. I also like the online aspect of managing my credit. Reviewed on: 9th June 2026

Best Company to keep your money Safe!

Several times PayPal Customer experience has helped me recover funds due to sellers miss selling products. Even a ‘crash course driver’s license’ which cost a lot of money, PayPal helped recover that no stress. I would fully recommend and keep using, now I have PayPal cards (debit and credit) I use PayPal instead of my bank cards! It works on everything and automatically gives Pay in three when possible which is a little surprise on bigger purchases. Reviewed on: 9th June 2026

paypal security...

good experience all round but had to lower my pay pal credit limit as its so easy to use Reviewed on: 9th June 2026

Easy to use

Easy to use and gives me longer to pay for things that I need to get now Reviewed on: 9th June 2026

Paypal credit is easy to use, widely accepted

Paypal creditbis easy to use, widely accepted and provides a pretty friction-free service. Reviewed on: 9th June 2026

PayPal credit is amazing, but very problematic

PayPal credit is amazing, but there are a few problems. That I have come across. When I go to pay my monthly debit, it can sometimes take 48 hours for it to reach my account sometimes leaving me with a £12 late fee and I have also noticed that the credit number of how much money I have left is sometimes inaccurate. Apart from this, it is amazing. Reviewed on: 9th June 2026

Excellent customer service, they helped me when I st...

Excellent customer service, they helped me when I struggled for a month Reviewed on: 9th June 2026

I quite often use pay pal credit

I quite often use pay pal credit for example three and four months interest free which really helps me to budget for things that I wish to purchase. 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
Retail Finance
from Close Brothers 3.17 from 12 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 101305 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