Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (57399 reviews)

View other PayPal products

4.91

Based on 57,399 reviews, last reviewed 8th Apr 2026

608900% increase in 5 star reviews

in the past 90 days

1800% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

PayPal Credit is fast, reliable and incredibly conve... PayPal Credit is fast, reliable and incredibly convenient — makes payments smooth and stress-free every time. Reviewed on: 8th April 2026

Latest lowest rating:

1

Rubbish.Klarna is a lot better. Rubbish.Old fashioned website.Misleading fees.Made it very difficult to complain and didn’t take it seriously when I did. Reviewed on: 8th 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 (57399)

So easy to setup

We started to use the PayPal credit card a while ago as we wanted to buy a large item. It was so easy to use and had updates when payment is due. Highly recommended as a great credit card plus it can be used in lots of shops as well as eBay. Reviewed on: 31st July 2023

Simple, easy credit

I've been using PayPal credit for a year now and it has been a great way to build up credit through online purchases. I personally prefer their split in three payment method but their interest free lending for purchases over £99 is just great for those more expensive, emergency purchases Reviewed on: 31st July 2023

Fabulous

As for me it is necessary for life, it makes shopping much easier. Very easy to use, everything clearly described. Highly recommended Reviewed on: 31st July 2023

Quick and versatile credit

Both PayPal credit options are easy to use and are very convenient. For items under £99, Pay in three is very affordable and interest free. For more expensive items I find PayPal credit especially useful with four months interest free. I always try to clear my balance within the free period but can extend it for a small interest charge. As with all credit solutions you must take care not to over extend yourself. Reviewed on: 31st July 2023

Spot on

Very suitable credit.Spot on.Thanks Reviewed on: 31st July 2023

Exceedingly Good Card

Well recommend, one of the best credit cards around. Reviewed on: 31st July 2023

Perfect

Always available when I need it and easy to use Reviewed on: 31st July 2023

Helps takes the pressure off

PayPal credit was a real life saver when we were a bit short coming up to holiday. It really took the pressure off and let us still enjoy our holiday. Reviewed on: 31st July 2023

PayPal is a way to pay

Great customer service as always. Being a customer for number of years. My payments and details are never at risk. Disputes are being resolved in timely manner and I'm very pleased with PayPal overall. I will always use PayPal to make any payments where applicable so do my family members and friends. Highly recommend for everyone. Reviewed on: 31st July 2023

Fast and reliable

Makes paying for bigger items easy, fast and reliable,and your backed by PayPal if any issues arise,They are my go to every time Reviewed on: 31st July 2023

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 Omni Capital Retail Finance 4.00 from 4 reviews
Better Off Calculator
from Policy in Practice 4.78 from 426 reviews
Very Account
from Shop Direct 4.38 from 27 reviews

Want to see more from PayPal?

PayPal Open
from PayPal 5.00 from 3 reviews
Pay in 3
from PayPal 4.93 from 31581 reviews
Payments
from PayPal 4.92 from 3660 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