Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181139 reviews)

View other PayPal products

4.73

Based on 181,138 reviews, last reviewed 1st Sep 2026

10% decrease in 5 star reviews

in the past 90 days

2% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

My personal experience with PayPal I’ve personally had a really good experience with PayPal. I’ve found it easy and convenient to use, and I feel confident knowing my payments are handl... Read more Reviewed on: 1st 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 (181139)

I have been using my credit card for a while now for...

I have been using my credit card for a while now for different purposes,and so far i am very happy with paypal,easy to use and easy to use Reviewed on: 8th June 2026

Pay Pal credit great and simple to use

I find Pay Pal credit simple to use and understand providing you read the conditions it allows me to make large purchases and pay off over a period of time this worked for me, I usually try and wait for when they have an interest free period of time this offsets the interest on the complete purchase. A drawback of using this is that if you purchase multiple items over a period of time the monthly payments can stack up and you could be paying more a month then you want to, although this is more about managing your spending but still something to watch. Reviewed on: 8th June 2026

Frienfly and knowledgable customer service

Frienfly and knowledgable customer service Reviewed on: 8th June 2026

Very easy service and app to use, particularly like...

Very easy service and app to use, particularly like the pay in three. Reviewed on: 8th June 2026

Easy to use, good for spreading payments with no int...

Easy to use, good for spreading payments with no interest. All works easily from the app and the same PayPal experience I’ve used for years. Reviewed on: 8th June 2026

Best experience of my life, don’t think I could ask...

Best experience of my life, don’t think I could ask for more Reviewed on: 8th June 2026

Spot on, no issues, easy to use.

Spot on, no issues, easy to use. Have been using PayPal for years and never had any problems - would recommend. Reviewed on: 8th June 2026

Have used PayPal Credit on a few occasions.

Have used PayPal Credit on a few occasions. All seems to work well with reminders when payments are due. Always had a fairly quick response from customer services when I had a query. Just need to make sure you dont miss any payments and make the final payment before the due date. Or face the dreaded interest. Reviewed on: 8th June 2026

Multiple retailers

I've used it a few times. The terms are simple to use and available with a lot of retailers. Reviewed on: 8th June 2026

PayPal gives you more freedom!

PayPal pay later has been so helpful for me! With 0% interest for 4 months on purchases over £100 has been so helpful for me and my family’s lifestyle! With our finances and budgeting it gives us way more freedom to enjoy our lifestyle as a family! 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 Novuna Personal Finance 4.73 from 173 reviews
Loan
from Snap Finance 4.82 from 370 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 101297 reviews
Payments
from PayPal 4.71 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