Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148822 reviews)

View other PayPal products

4.73

Based on 148,766 reviews, last reviewed 4th Jul 2026

4499750% increase in 5 star reviews

in the past 90 days

13250% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really easy to use. Really easy to use. I feel safer paying with PayPal and won't buy if that option is not available Reviewed on: 4th July 2026

Latest lowest rating:

2

Can't make separate transfers. Can't make separate transfers. Just direct debit Reviewed on: 4th July 2026

Read all reviews See your 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.

PayPal PayPal Credit reviews (148822)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Quick answer and very polite and friendly

Quick answer and very polite and friendly Reviewed on: 20th June 2026

Brilliant to help spread the cost

I’ve used PayPal credit on and off for years and found it extremely helpful to spread the cost! Reviewed on: 20th June 2026

Ease of access

I love that there is payment protection on purchases and the ease of using it when needed Reviewed on: 20th June 2026

Good offers good service trustworthy

Good offers good service trustworthy Reviewed on: 20th June 2026

PayPal Credit Facilities

PayPal Credit pay in 3 and pay in 4 are excellent facilities offered. I use these all the time as it helps make high value purchases and holiday a lot more affordable in being able to break down the payments in easy steps over a few months. Reviewed on: 20th June 2026

easy quick never any problems!

easy quick never any problems! app is very good easy to use ! always quick response if there's any problem with purchases Reviewed on: 20th June 2026

Very easy to use and great pay later options

Very easy to use and great pay later options Reviewed on: 20th June 2026

Great way of budgeting for larger purchases

Paypal Credit has been a great way of budgeting for for me for airline tickets, carpets etc. Easy to set up and flexible repayments. Reviewed on: 20th June 2026

A fair provider

So efficient - quickly makes buying larger purchases happen without giving too high a credit limit. Like how it can be split over 4 months rather than 3. Reviewed on: 20th June 2026

PayPal credit is easy and convenient to use.

PayPal credit is easy and convenient to use. Reviewed on: 20th 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
Retail Finance
from Zebra Finance 4.08 from 6 reviews
Payments
from PayPal 4.71 from 3759 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 79767 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