Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181133 reviews)

View other PayPal products

4.73

Based on 181,132 reviews, last reviewed 23rd Aug 2026

4% increase in 5 star reviews

in the past 90 days

18% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Comes in handy when needed easy to use and understand Comes in handy when needed easy to use and understand Reviewed on: 23rd August 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 (181133)

Very easy to use, convenient.

Very simply, straight forward and convenient. Reviewed on: 8th June 2026

Generally fine but can be challenging to track your...

Generally fine but can be challenging to track your expenditure with the balance delays. Also, can take several days for any payments to be transferred in making it also challenging to manage other accounts. Reviewed on: 8th June 2026

PayPal is a fantastic service which I use regularly.

More places accepting PayPal which is great. Always notify about upcoming payments. The payments are always quick and easy and the app is good too. Reviewed on: 8th June 2026

Good web site, easy to negotiate and secure.

Good web site, easy to negotiate and secure. Reviewed on: 8th June 2026

Fantastic all round!!

I’ve had a PayPal account for many years and have always loved the flexibility it gave me for paying online without providing my main bank details. I recently signed up to the debit and credit cards for even more flexibility. The ease of being able to transfer money back and forth between accounts is fantastic. The offer on the credit card of 0% interest on payments over £99 for 4 months is such a great safety net for those months where things might be a little tight. I’ve only had to contact customer service a couple of times over the years and each time it has been excellent. The staff are friendly, informative and go above and beyond to resolve the issue. I can’t recommend PayPal enough! Reviewed on: 8th June 2026

PayPal has always serviced me well.

PayPal has always serviced me well. Any problems with deliveries and a seller, they are always fair. I have never had an issue with them and I have used PayPal for more than 20 years. I also like the new virtual PayPal credit card, which work in conjunction with PayPal credit Reviewed on: 8th June 2026

Brilliant financial service

Paypal provides an easy to use , widely accepted , very safe service . Interest rates very reasonable often with interest free deals . Pay in 3 option great . Love paypal Reviewed on: 8th June 2026

Ease of purchase and details not shared

Ease of purchase and peace of mind that if short of cadhflow, it can be paid at a later date. There is no need to add credit card details for online purchases which can be daunying for retailers, that are less well known. Reviewed on: 8th June 2026

I have had a very positive experience with PayPal si...

I have had a very positive experience with PayPal since I joined. I love the pay in 3 option for more expensive items Reviewed on: 8th June 2026

Brilliant service!

Brilliant service! I've used it for years 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

Payments
from PayPal 4.71 from 3855 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 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 101291 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