Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181148 reviews)

View other PayPal products

4.73

Based on 181,147 reviews, last reviewed 11th Sep 2026

50% decrease in 5 star reviews

in the past 90 days

32% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great credit option. Very straightforward procedure, various repayment options, very easy to use at checkout. Reminders sent promptly and payment straight forward Reviewed on: 11th 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 (181148)

All good no complaints.

All good no complaints. All runs smoothly and long may it continue. Reviewed on: 9th June 2026

Great option when buying a product in an emergency,...

Great option when buying a product in an emergency, very quick approval. Great options to pay, interest free and great to be told monthly payments straight away. Reviewed on: 9th June 2026

PayPal Credit is convenient and easy to use.

PayPal Credit is simple and easy to use. What’s more it’s quick. Being able to spread the cost over 4 months interest free is great value and setting up a direct debit ensures payments are all made on time. Reviewed on: 9th June 2026

PayPal and Me

I have used PayPal and PayPal Credit for many years , i feel safer about my purchases and security using PayPal on line . Reviewed on: 9th June 2026

My favourite payment method

Never an issue, always good support. Have been using it for many years and when I see pay pal I see that I can trust to buy. Effortlessly to transfer money too. Love the pay pal credit too, what a great way to make a purchase Reviewed on: 9th June 2026

Safe and convenient.

Safe and convenient. Easy to use and customer service is great Reviewed on: 9th June 2026

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

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

Payments
from PayPal 4.72 from 3854 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Loan
from Snap Finance 4.81 from 370 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