Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (180905 reviews)

View other PayPal products

4.73

Based on 180,897 reviews, last reviewed 16th Jul 2026

342% increase in 5 star reviews

in the past 90 days

411% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Easy to use and very user friendly Easy to use and very user friendly Reviewed on: 16th July 2026

Latest lowest rating:

1

Celebrity Gad PayPal is good and reliable for pay every due diligence Reviewed on: 14th 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 (180905)

PayPal is my pal.

I use PayPal because I trust them to take care of me and my money. PayPal is so easy to use, and now I get rewarded for using it.. Customer service is excellent whether you speak to an adviser or use the online service. Whe I have had any problems with purchases it has been sorted out without any fuss and I have had payment refunded when necessary., In short - PayPal is my pal! Reviewed on: 9th June 2026

Pay pal is such a life saver and provide a real hand...

Pay pal is such a life saver and provide a real handy quick way to pay for things in an emergency, more and more places seem to be excepting pay pal, which means I can get more of the things I need and it not breaking the bank. When there has been payment issues the customer service is so helpful Reviewed on: 9th June 2026

PayPal is easy to use and payments are secure ...

PayPal is easy to use and payments are secure Reviewed on: 9th June 2026

Please Use PayPal Credit

I’ve had a really positive experience using PayPal Credit. What I like most is the flexibility it gives me when making purchases, especially for larger or unexpected expenses. Being able to spread the cost rather than paying everything upfront has made managing my finances feel much more comfortable and less stressful. The application and checkout process felt straightforward, and having everything integrated within PayPal makes it really convenient to keep track of spending and payments in one place. I’ve also appreciated the reminders and clear account management, which have helped me stay organised. For me, PayPal Credit has been a useful tool when used responsibly, giving a bit more breathing space without making things complicated. Overall, it’s been reliable, convenient and something I’ve found genuinely helpful and would highly recommend! Reviewed on: 9th June 2026

Great customer service.

Great customer service. I would be lost without PayPal. Reviewed on: 9th June 2026

Paypal is simple and easy to use.

Paypal is simple and easy to use. The app opens when other apps need it to confirm payments. Its easy to sign in. It has a good layout for checking what you have spent on there too. Paypal credit is helpful too. Reviewed on: 9th June 2026

Paypal credit makes my life easier

Paypal credit makes it possible to buy things when I need them and pay for them when I can afford to, I couldn't live without it now. Reviewed on: 9th June 2026

PayPal Flexible payment options

PayPal always offer flexible payment options such as 4 months interest free or Pay in 3. These are helpful options for me, particularly with online purchases. It means I do not have to pay the full amount for a purchase up front and should I not like an item or it is not fit for purpose, then I have only had to pay the smaller amount to then received back as a refund. Reviewed on: 9th June 2026

Can be a bit confusing with layout and what balance...

Can be a bit confusing with layout and what balance is due etc. especially if you are paying in increments on some items and need to pay the balance in full on otherd Reviewed on: 9th June 2026

It’s sometimes hard to work out what’s pending and w...

It’s sometimes hard to work out what’s pending and what’s going on your account. It’ll be good if that was a bit clearer a bit like my bank. 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 Novuna Personal Finance 4.73 from 173 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101097 reviews
Payments
from PayPal 4.70 from 3855 reviews
Credit card
from PayPal 4.67 from 124 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