Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181140 reviews)

View other PayPal products

4.73

Based on 181,140 reviews, last reviewed 3rd Sep 2026

14% decrease in 5 star reviews

in the past 90 days

4% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

So happy with PayPal credit ... It's been good having PayPal as an option to pay with PayPal credit. It's made life alot easier for me when I needed to budget and pay other essential... Read more Reviewed on: 3rd 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 (181140)

Excellent way to spread the cost of larger purchases

I've had a very positive experience with PayPal Credit. It's incredibly convenient, especially when making larger purchases over £99. The option to buy something now and pay it off over 4 months interest-free gives a lot of flexibility and makes budgeting much easier. The application process was straightforward, the account is easy to manage, and I've never had any issues using it when shopping online. Being able to combine the convenience of PayPal with flexible payment options is a big advantage. Overall, it's a great service that I've found reliable, simple to use, and very helpful when making bigger purchases. Highly recommended. Reviewed on: 8th June 2026

paypay credit is great!

paypay credit is great! relaxed payments, low interest and easy to manage Reviewed on: 8th June 2026

I have PayPal to pay retailers I don't know, I've sp...

I have PayPal to pay retailers I don't know, I've spread the cost of larger items over three payments and used PayPal credit, repay with no interest. All were easy, smooth, efficient with no issues. A great service and excellent experience. Reviewed on: 8th June 2026

Good service all around.

Good service all around. Never had any issues with PayPal. Reviewed on: 8th June 2026

Efficient, would recommend

As someone who uses credit cards for small everyday purchases paypal makes it really easy to do so online, and paying it off is always simple and fast. Reviewed on: 8th June 2026

As Tina Turner would have said simply the best

As Tina Turner would have said simply the best enough said. If you don’t use Paypal your not taking your finances seriously. Seriously! Reviewed on: 8th June 2026

Paypal - Best friend you could wish to have!

I have used Paypal credit for quite a while now. It really helps you to manage your own amount, so that is becomes easy to use. Paypal are very good at keeping customers informed of their status and provide help if needed. Always courteous. They are always there for their customers. This plan also helps you to shop at ease online, knowing that if anything goes wrong, help is there if needed. Reviewed on: 8th June 2026

4 months interest free you can't beat a PayPal account.

4 months interest free you can't beat a PayPal account. It's a no brainier.!! Reviewed on: 8th June 2026

Very good experience with paypal

Very good experience with paypal Reviewed on: 8th June 2026

Make payment plan specific and easy

My experience with PayPal has been a mixture of good and very bad. PayPal actually need to create a section to allow customers make payments towards the 4 months interest free payment so that those who need their help to manage payments are taken care of just the same way those who want to manage and be on top of their payments themselves. Check out the payment style by old Argos, you can pay towards a specific plan or just pay in general. This would clear the doubts I currently experience with paying off multiple items . Reviewed on: 8th 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 Novuna Personal Finance 4.73 from 173 reviews
Retail Finance
from Zebra Finance 4.08 from 6 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101298 reviews
Payments
from PayPal 4.72 from 3855 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