Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (176033 reviews)

View other PayPal products

4.73

Based on 175,893 reviews, last reviewed 10th Jul 2026

1298% increase in 5 star reviews

in the past 90 days

1240% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal is good and reliable and they act as professi... PayPal is good and reliable and they act as professionals they also serve customers in excellence and always standby to help in-terms of difficulty an... Read more Reviewed on: 10th July 2026

Latest lowest rating:

1

Shockingly bad..but they get away with it I have had reason to complain to the Financial Ombudsman regarding this company. Their attitude is we won't follow instructions and when things go wro... Read more Reviewed on: 10th 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 (176033)

I wouldn't be without my Paypal!

I love using Paypal. I often share the cost of meals with friends. When I buy items for my hobby, I always use Paypal when I can, as it is immediate and safeguarded. And when I buy larger items such as carpets, I love the option to spread the cost over four months, or to have a low interest rate over a longer period. I wouldn't be without my Paypal! Reviewed on: 8th June 2026

Excellent

I have had paypal credit for a very long time. It's helped me out with essential big purchases that I wasn't able to fully afford immediately. Reviewed on: 8th June 2026

Great way to buy things online and manage your finan...

Great way to buy things online and manage your finances well I use PayPal for most purchases online and my PayPal credit card is so handy on my Apple Pay! Reviewed on: 8th June 2026

Excellent gives you options to pay easy to use and h...

Excellent gives you options to pay easy to use and have recommended it to friends and family also PayPal virtual card is handy when out and about for making them wee extra purchases to treat yourself also repayments are easily manageable and affordable Reviewed on: 8th June 2026

Excellent option for payment good rates for extendin...

Excellent option for payment good rates for extending payment and making products more affordable with easy repayment options Reviewed on: 8th June 2026

It's great always therer for you when you need it

It's great always there for you when you need it Reviewed on: 8th June 2026

great credit rate

great credit rate, never an had an issue. Every time i've been streched to try and buy something i need they've always been able to help Reviewed on: 8th June 2026

Practical credits options in safety

A PayPal customer for a very long time , their credits options makes it possible to spread cost and provides a safe way to pay later Reviewed on: 8th June 2026

It is easy to apply and good to spread the cost.

It is easy to apply, to manage the Credit and use it for shopping but that being said, i do feel like i have been paying forever and the debt has stayed the same because i could not afford to pay it back promptly. Reviewed on: 8th June 2026

Unique payment options

I do love PayPal credit I use it regularly and it is unique I don’t find any other credit that offers the same as Paypal Reviewed on: 8th 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 Account
from Shop Direct 3.18 from 28 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 97628 reviews
Payments
from PayPal 4.71 from 3846 reviews
Credit card
from PayPal 4.70 from 121 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