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 181,148 reviews, last reviewed 13th Sep 2026

54% decrease in 5 star reviews

in the past 90 days

38% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

4

Amazing! Amazing! They give me £1000 on the beginning itself self. Contacting PayPal customer service is also very professional Reviewed on: 13th 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)

I find PayPal extremely easy to use and reliable.

I find PayPal extremely easy to use and reliable. It gives me peace of mind when purchasing items and is easy to repay on the app. I have never had to use their customer service but I think this is because of how easy it is to find answers on the app. I would highly recommend and use it monthly. Reviewed on: 9th June 2026

Easy to use on Apple Pay

Easy to use on Apple Pay and comes in handy Reviewed on: 9th June 2026

I use PayPal credit all the time.

I use PayPal credit all the time. It is easy to manage my repayments, change amounts and the fact that you get bonuses for using it, is in itself a useful bonus. Reviewed on: 9th June 2026

I’ve been with Paypal for a number of years.

I’ve been with Paypal for a number of years. I wouldn’t trust any other company to handle my Cash. Reviewed on: 9th June 2026

Easy to use and reliable.

Easy to use and reliable. Pay in three is a useful option. Reviewed on: 9th June 2026

I have found PayPal Credit to be a convenient way to...

I have found PayPal Credit to be a convenient way to spread the cost of larger purchases over time. It integrates smoothly with PayPal, making checkout quick and easy at many online stores. The ability to pay in installments can be helpful when managing my budget, especially for unexpected expenses. I also appreciate being able to view and manage payments online. However, I make sure to read the terms carefully, as interest charges can apply if balances are not paid according to the agreement. Overall, it is a useful financing option when used responsibly and within my budget. Reviewed on: 9th June 2026

Very easy to apply, terms that are easy to understan...

Very easy to apply, terms that are easy to understand and options of 0% interest. I have found this service invaluable during the current financial state of the UK. PayPal credit has helped our family stay afloat at a time when food costs are extraordinarily ridiculous for an average family on an average working wage Reviewed on: 9th June 2026

Very simple to use, makes buying bigger purchases so...

Very simple to use, makes buying bigger purchases so much easier and the interest isn't too bad. Often able to do interest free payment plans too. Never had a problem and been using PayPal credit for years. Reviewed on: 9th June 2026

PayPal makes online an easy and safe option

PayPal makes online an easy and safe option Reviewed on: 9th June 2026

I love the 4 months interest free.

I love the 4 months interest free. 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 Zebra Finance 4.08 from 6 reviews
Payments
from PayPal 4.72 from 3854 reviews
Very Pay
from Shop Direct 3.48 from 29 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