Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (76615 reviews)

View other PayPal products

4.90

Based on 76,615 reviews, last reviewed 19th Apr 2026

2378400% increase in 5 star reviews

in the past 90 days

6800% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

PayPal the best The best and safest thing u did is PayPal Reviewed on: 19th April 2026

Latest lowest rating:

2

Complicated and unexpected fees deduction Complicated and unexpected fees deduction 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 (76615)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

Bad impact in credit scores

My credit limit is £400, if I buy anything of £200 that takes my credit utization above 50% which credit agencies strongly punish in my score. On one hand PayPal gives me facilities for repayments but on the other easily spoils my credit history most probably affecting credit increases from PayPal. Reviewed on: 16th April 2026

PayPal credit has changed the way I pay for everythi...

PayPal credit has changed the way I pay for everything it's so convenient I have a record of receipts for everything I purchase and earn point on everything and with fuel as expensive as it is now that's a great bonus Reviewed on: 16th April 2026

As an app, can be useful but as company avoid

If you're asking from a direct application standpoint, easy to use and feels more secure to buy online if it supports PayPal, they started to offer rewards for using PayPal but its still very little, you have to spend like £10,000 to get a tenner back and thats the minimum redeemable, not really feasible in a realistic timeframe to be a reward for most people in this economy. The pay in 3 and credit with 0% interest have been useful features, can't use PayPal on some places like amazon but that's rival tech oligarchs for you, we shouldn't be made to use either, paypals CEOs are tech bros and paypals strong israel ties make them not a company to support so if you're not already indebted to them don't use them. Reviewed on: 16th April 2026

Makes buying and paying so simple

Makes buying and paying so simple Reviewed on: 16th April 2026

Great for an easy set up and to use!!

signing up for PayPal credit was very easy, took 2 minutes to her approved and to be able to use! Reviewed on: 16th April 2026

Brilliant service and it provides great options for...

Brilliant service and it provides great options for credit Reviewed on: 16th April 2026

All good! PayPal is easy and convenient for me

PayPal is easy and convenient for me Reviewed on: 16th April 2026

low interest rate and vary flexible to pay

low interest rate and vary flexible to pay Reviewed on: 16th April 2026

Nic Pay pal review

Use it all the time, excellent and feels safe for online purchases Reviewed on: 16th April 2026

Very helpfull friendly services easy campany to deal...

Very helpfull friendly services easy campany to deal with Reviewed on: 16th April 2026

Alternative products

Retail Finance
from Novuna Personal Finance 4.77 from 172 reviews
Retail Finance
from Omni Capital Retail Finance 4.00 from 4 reviews
Payments
from PayPal 4.91 from 3677 reviews

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