Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (56033 reviews)

View other PayPal products

4.91

Based on 56,033 reviews, last reviewed 7th Apr 2026

483900% increase in 5 star reviews

in the past 90 days

1300% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

I have been using PayPal for years and I couldn't li... I have been using PayPal for years and I couldn't live without it. I am disabled and I can't always get to my bank. PayPal allows me the freedom to pu... Read more Reviewed on: 7th April 2026

Latest lowest rating:

1

The worst App ever (Fraud and Scammer) The worst App ever (Fraud and Scammer) Reviewed on: 7th April 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 (56033)

Easy to use great interest free options

Its easy to navigate through the app and use PayPal credit or pay in 3. The interest free options are great and you get reminders of payments Reviewed on: 12th August 2022

Handy

Excellent service for those times when it's really needed. Reviewed on: 12th August 2022

Really helps spread the cost

Great card to have. Spread the cost over 4 months interest free. Reviewed on: 12th August 2022

Easy, flexible and convenient

Certain purchases although affordable can be a huge outlay at the given time and sometime you can miss out on a good price or even a discount just because you aren't able to spread the cost. Paypal credit has kept a spread the cost offer valid and ongoing which made it easy for me to buy an rc sailplane that I wanted and even better the website I was buying from accepted paypal directly. A modern easy convenient payment solution with the flexibility of spreading the cost. What's not to like. Reviewed on: 12th August 2022

Lifesaver

Convenient, affordable and easily managed credit Reviewed on: 12th August 2022

Easy and reliable.

Have never had any issues with my PayPal Credit account, it's easy to access, easy to set and amend payments, and I am always kept up to date with any changes or updates. Would highly recommend this product/service. Reviewed on: 12th August 2022

interest free 3 payments or 4 months amazing!!!

best payment service provider for consumer rights and protection service, also offer great financial payment plans with varied options, cant go wrong choosing this for peace of mind and security Reviewed on: 12th August 2022

Excellent

Excellent service Reviewed on: 12th August 2022

Nice limits, fair apr

Used PayPal credit a few times, the APR is fair and quite competitive. Reviewed on: 12th August 2022

Reliable and trust worthy

I rely on paypal ccredit as a backup to my money at the end of the month. At the end of the month on payday i pay off what i owe (if any) knowing i can trust and know that it has my back when i need it. Reviewed on: 12th August 2022

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 2.53 from 12 reviews
Loan
from Snap Finance 4.90 from 369 reviews
Payments
from PayPal 4.92 from 3651 reviews

Want to see more from PayPal?

PayPal Open
from PayPal 5.00 from 3 reviews
Pay in 3
from PayPal 4.93 from 29598 reviews
Payments
from PayPal 4.92 from 3652 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