Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148724 reviews)

View other PayPal products

4.73

Based on 148,510 reviews, last reviewed 4th Jul 2026

4488100% increase in 5 star reviews

in the past 90 days

13200% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Always so easy to deal with. Always so easy to deal with. Simple, straightforward and no nonsense! Reviewed on: 4th July 2026

Latest lowest rating:

2

The interest rate is too high. The interest rate is too high. It will take forever to pay off the credit even if the minimum payment is almost 5% of the outstanding balance. Reviewed on: 3rd 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 (148725)

Unauthorized activity sorted

I had an issue with a payment over 10 years ago, at the time I noticed unauthorized activity, PayPal were super quick and efficient at reversing the unauthorized transactions Reviewed on: 4th May 2026

It's easy to use especially when you need additional...

It's easy to use especially when you need additional credit Reviewed on: 4th May 2026

Simple to use and get the most out of my money

Easy to use and good options to suit circumstances. Keeps me updated, and in control of my money and budget. Reviewed on: 4th May 2026

I love the flexibility of PayPal Credit.

I love the flexibility of PayPal Credit. And that I don't share my details using it. Reviewed on: 4th May 2026

PayPal experience

easy and simple to use, never any issues Reviewed on: 4th May 2026

Never had a problem with PayPal, felt a little let d...

Never had a problem with PayPal, felt a little let down by no receiving a refund on a purchase that was clear not as per sellers online description, but other than that all ok. Reviewed on: 4th May 2026

PayPal offers flexibility to pay off your credit amo...

PayPal offers flexibility to pay off your credit amount for no interest for 4 months, which I took advantage of! Reviewed on: 4th May 2026

Always the best way to pay!

Always the best way to pay! Feels secure and so easy. Reviewed on: 4th May 2026

There when I need you, keeps you informed when there...

There when I need you, keeps you informed when there's a payment to be made Reviewed on: 4th May 2026

PayPal is very convenient

PayPal is very convenient and provides so much help for those who want to spread the cost of purchases. PayPal is also very secure and reliable for peace of mind. PayPal also provided extra services such as points and rewards so you the savings are passed on to the users. Furthermore, PayPal's help centre is excellent, they always provide support and assistance if needed and always resolve outstanding queries. Reviewed on: 4th May 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 Novuna Personal Finance 4.74 from 173 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews
Payments
from PayPal 4.71 from 3759 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 79718 reviews
Payments
from PayPal 4.71 from 3759 reviews
Credit card
from PayPal 4.70 from 101 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