Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181131 reviews)

View other PayPal products

4.73

Based on 181,131 reviews, last reviewed 21st Aug 2026

8% increase in 5 star reviews

in the past 90 days

21% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Nothing hidden, simple to use. Nothing hidden, simple to use. Convenient for making those larger purchases, especially when they are unexpected Reviewed on: 21st 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 (181131)

All good, easy service to navigate.

All good, easy service to navigate. No problems at all. Reviewed on: 8th June 2026

Always easy to use

Always easy to use, whether the credit facilities or pay in 3. Best way to pay in modern day Reviewed on: 8th June 2026

Never had any problem and im with paypal for 10-15 y...

Never had any problem and im with paypal for 10-15 years now Reviewed on: 8th June 2026

Good service

No issues smooth and fast. You borrow and they process fast Reviewed on: 8th June 2026

its ok and a handy feature but not as quick to updat...

its ok and a handy feature but not as quick to update or as user friendly as established credit card apps/websites Reviewed on: 8th June 2026

paypal is amazing!

paypal is amazing! the credit is good even when you don’t have a great credit score. they give you time to pay back when you need it and they’re just fabulous in general. absolutely amazing and i wlll be continuing to use them for the foreseeable future to be honest. one of the greatest credit givers ever!!!!!! Reviewed on: 8th June 2026

I’m satisfied with my experience just hope to use it...

I’m satisfied with my experience just hope to use it while doing in person shopping as well as online. Reviewed on: 8th June 2026

PayPal review

I’ve had a really positive experience with PayPal Credit. The application process was straightforward, the app is easy to use, and managing payments is simple and transparent. It’s been a helpful and flexible way to spread the cost of purchases, and I’ve always found the service reliable. Overall, a great option for anyone looking for convenient credit management. Reviewed on: 8th June 2026

No problems with credit.

No problems with credit. Good customer service and honestly very easy to use app. Reviewed on: 8th June 2026

Never had any problems, with PayPal trustwort...

Never had any problems, really find PayPal trustworthy and easy to use 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
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 101289 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