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)

The Best

PayPal Credit is the best by highlighting its speed, zero-interest offers, Reviewed on: 9th June 2026

Easy to use, pay in 3 a great way to spread cost ove...

Easy to use, pay in 3 a great way to spread cost over 3 months Reviewed on: 9th June 2026

Easy to use, informative when needed.

Easy to use, informative when needed. Reviewed on: 9th June 2026

Great service

Like that you can pay later or spread the cost . Feels more secure than giving bank details out. Reviewed on: 9th June 2026

PayPal has always been an essential part of my day t...

PayPal has always been an essential part of my day to day life providing services like buy now pay later which helps always whenever I needed to make a large purchase Reviewed on: 9th June 2026

Easy to use and ideal for all needs

Easy to use and ideal for all needs Reviewed on: 9th June 2026

Amazing service easy to transfer money or set up pay...

Amazing service easy to transfer money or set up payments makes purchases easy Reviewed on: 9th June 2026

* Promotional financing offers on eligible purchases...

* Promotional financing offers on eligible purchases (such as interest-free periods if paid in full within the promotional term, where available). * Ability to spread the cost of larger purchases over tim Reviewed on: 9th June 2026

Very convenient

I have used PayPal Credit for purchases where I wanted additional flexibility in managing payments. The application process was straightforward, and being able to access credit directly through PayPal was convenient. Reviewed on: 9th June 2026

Great service and really easy to use.

Great service and really easy to use. Only thing that would make it better is a lower interest rate in line with bank personal loans. 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
Retail Finance
from Zebra Finance 4.08 from 6 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