Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (174677 reviews)

View other PayPal products

4.73

Based on 174,092 reviews, last reviewed 9th Jul 2026

1375% increase in 5 star reviews

in the past 90 days

1263% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

"I highly recommend PayPal Credit for anyone looking... "I highly recommend PayPal Credit for anyone looking for a flexible way to finance online shopping. The biggest advantage is the 0% interest offer for... Read more Reviewed on: 9th July 2026

Latest lowest rating:

2

The card keeps being rejected and I lose out on my p... The card keeps being rejected and I lose out on my points and it's embarrassing when it's declined Reviewed on: 9th 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 (174725)

Outstanding PayPal

I use PayPal for a lot of my transactions. Or delayed payments on 0% interest. Reviewed on: 6th June 2026

Just great overall, easy to use, clear instructions,...

Just great overall, easy to use, clear instructions, smooth user interface. Been using for years and will continue. Reviewed on: 6th June 2026

Easy to apply and use great service

Easy to apply and quick replies and great customer service Reviewed on: 6th June 2026

I have never had a problem with PayPal.

I have never had a problem with PayPal. When I needed support, they solved it. I log on regularly to check my status and everything is clear. I would recommend using PayPal if you can either clear the balance each month or pay in 3. Reviewed on: 6th June 2026

PayPal is a great consistent payment platform.

I've used PayPal for over 10 years with a consistent, supportive experience. PayPal makes managing money a breeze and allows for easy hassle free money transfers, which is use mainly for friends and family. Reviewed on: 6th June 2026

My Go-To for Online Payments

Honestly, I can’t imagine shopping online without PayPal at this point. I’ve been using it for years and it’s never once let me down. There’s something genuinely reassuring about knowing your bank details aren’t being handed over to every website you buy from,PayPal just handles it all quietly in the background, and that peace of mind is worth everything. What I appreciate most is how careful they are with your money. I’ve had a couple of moments where a transaction looked suspicious and PayPal flagged it before I even noticed anything was off. That kind of attention to detail is rare, and it tells you a lot about how seriously they take security. I also had to raise a dispute once when an item I ordered never showed up. I honestly expected a headache, but the whole process was surprisingly smooth,they kept me informed, sorted it out quickly, and I got my money back without any fuss. It’s one of those services you don’t really think about until you need it, and then you’re so glad it’s there. Reliable, safe, and genuinely easy to use,PayPal has earned my trust many times over. Reviewed on: 6th June 2026

Easy to make payments using pay now or set a date wh...

Easy to make payments using pay now or set a date which is convenient to myself Reviewed on: 6th June 2026

I like the convenience of using PayPal, especially f...

I like the convenience of using PayPal, especially feature that allows one to manage cashflow with the 4-month interest free option, which has been enhanced further with the addition of a Mastercard. Reviewed on: 6th June 2026

Love being able to use it everywhere

Love being able to use it everywhere Reviewed on: 6th June 2026

Everything works perfect,no issues

Everything works perfect,no issues Reviewed on: 6th 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 Close Brothers 3.17 from 12 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Loan
from Snap Finance 4.82 from 370 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 96760 reviews
Payments
from PayPal 4.71 from 3843 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