Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.74 (121648 reviews)

View other PayPal products

4.74

Based on 121,648 reviews, last reviewed 7th Jun 2026

3266650% increase in 5 star reviews

in the past 90 days

9700% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Paypal has been very helpful to me Paypal has been very helpful in assisting my everyday purchases, and helping me work on my credit score. Has also helped a bit with making large purch... Read more Reviewed on: 7th June 2026

Latest lowest rating:

2

Worst credit available. Its very limitted for credit and most of the time its not even working when you try to pay via paypal credit its frusrrating. Also there is no clear c... Read more Reviewed on: 6th June 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 (121648)

PayPal Credit

Flexible, I enjoy the three month interest free offers. Never had any issues would highly recommend. Reviewed on: 14th April 2026

Happy User

For me PayPal has been a very handy payment tool. Reviewed on: 14th April 2026

An easy way to spread payments with regular prompts...

An easy way to spread payments with regular prompts and repayment options to suit all and makes sure you stick within the zero interest period. Reviewed on: 14th April 2026

Excellent

Very good service prompt and resolve issues Reviewed on: 14th April 2026

The easiest and very fast way to send money to my fr...

The easiest and very fast way to send money to my friends and family Reviewed on: 14th April 2026

Always had great response from PayPal love the ease...

Always had great response from PayPal love the ease of use and sending funds to my family in the USA has been a godsend . Paypals security is also excellent against rogue traders Reviewed on: 14th April 2026

Using PayPal Credit has been a convenient option for...

Using PayPal Credit has been a convenient option for me when I need a bit of flexibility with payments. I like that it allows me to spread the cost of purchases, especially for larger expenses, rather than paying everything upfront. The application process was straightforward, and I was able to start using it almost immediately. One of the main benefits I’ve found is the promotional offers, like 0% interest for a set period, which helps me manage my finances better as long as I stay on top of repayments. The integration with PayPal also makes it really easy to use at checkout without needing to enter extra details. However, I’ve learned that it’s important to be disciplined. If I don’t pay off the balance within the promotional period, the interest can add up quickly, which can make things more expensive in the long run. Keeping track of due dates and making at least the minimum payment on time is essential to avoid fees. Overall, PayPal Credit has been a useful financial tool for me, but I treat it carefully and make sure I only use it when I know I can manage the repayments responsibly. Reviewed on: 14th April 2026

Very good customer service.

Very good customer service. Good app Reviewed on: 14th April 2026

I love PayPal.

I love PayPal. I have been using it to shop for more than 10 years. Great rewards and payment options Reviewed on: 14th April 2026

Love paypal.

Love paypal..makes life so much easier and having spoke to customer service staff on several occasions tjey have always been polite and helpful Reviewed on: 14th April 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 Omni Capital Retail Finance 3.99 from 4 reviews
Retail Finance
from Zebra Finance 4.06 from 6 reviews
Better Off Calculator
from Policy in Practice 4.63 from 496 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 57625 reviews
Payments
from PayPal 4.74 from 3728 reviews
Credit card
from PayPal 4.70 from 87 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