Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181147 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 (181147)

Been using it for ages, will be using it for ages.

Been using it for ages, will be using it for ages. Love PayPal! Very efficient and convenient credit option. Reviewed on: 9th June 2026

just a chill credit offerers

just a chill credit offerer, I like how flexible they are and generally offer ways to defer payments quite proactively. Reviewed on: 9th June 2026

Goons experience always able to speak with customer...

Goons experience always able to speak with customer service for support or questions, good service Reviewed on: 9th June 2026

Simple to setup an account, good short credit 0% burst.

Simple to setup an account, you feel like a trusted customer and a lot of online shops take it as a payment option which makes it a great option when you need a burst of credit interest free while you wait for payday etc. Reviewed on: 9th June 2026

Ideal for bigger items ( new washing machine) and I...

Ideal for bigger items ( new washing machine) and I can budget my payments, no interest, easy to go in and add a payment, also used for flights . It's secure and I like being able to have peace of mind. Reviewed on: 9th June 2026

Reliable, convenient and easy to use.

Reliable, convenient and easy to use. I always try to use PayPal when shopping online as an extra layer of defence from cyber attacks. Reviewed on: 9th June 2026

Safe and reliable, i wish they increase my cc limit.

Safe and reliable, i wish they increase my cc limit. Love paypal Reviewed on: 9th June 2026

Easy set upStraight forward set up

Straight forward set up hassle free Reviewed on: 9th June 2026

Simple to Use and Manage

Overall, I've found PayPal Credit easy to use and convenient for managing purchases. The application process was straightforward, and the online account tools make it simple to track payments and balances. It would be helpful to have even more detailed explanations of promotional offers and repayment options. Overall, a positive experience Reviewed on: 9th June 2026

Excellent .

PayPal have excellent service. They are always helpful. The credit & rewards is a great addition to their services. 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 V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 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 101304 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