Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181127 reviews)

View other PayPal products

4.73

Based on 181,126 reviews, last reviewed 18th Aug 2026

13% increase in 5 star reviews

in the past 90 days

28% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal Credit I recently started using PayPal Credit and I’m really pleased with the experience so far. The application was straightforward, and the credit option i... Read more Reviewed on: 18th 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 (181128)

Always had a really positive experience with PayPal,...

Always had a really positive experience with PayPal, can’t fault them Reviewed on: 7th June 2026

I use PayPal for all my online transactions where it...

I use PayPal for all my online transactions where it is available. It is quick, convenient and reliable Reviewed on: 7th June 2026

Very useful for paying quickly for items however exc...

Very useful for paying quickly for items however exchange rates aren't so good. I use PayPal whenever I can as I'm able to gain points both on PayPal and on my credit card. Unfortunately when I need to convert into different currency it is a bit painful as they take quite a large fee. Reviewed on: 7th June 2026

Good service and excellent product

Good service and excellent product Reviewed on: 7th June 2026

Great experience thank you.

Great experience thank you. Very impressed with this service and lending. Reviewed on: 7th June 2026

Great service

Great service, great customer service and fast turnaround of services! Reviewed on: 7th June 2026

PayPal Credit Has Been A Total Game

I started using it just over 2 years ago, and it has been an absolute lifesaver time and time again. The application process was so quick and easy — done entirely online in minutes, no piles of paperwork, no endless waiting around for a decision. Within hours I had my credit limit available, ready to use whenever I needed it. For someone like me running a fleet of Mercedes Vitos doing airport and cruise transfers from Crawley to Gatwick, Heathrow, and all the way down to Dover, there are always unexpected costs: sudden big repair bills, servicing, tyres, or covering fuel and insurance costs when payments from clients take a little longer to come through. PayPal Credit bridges that gap perfectly. I can use it straight away wherever PayPal is accepted, spread the cost without stress, and the interest‑free options on larger purchases have saved me hundreds of pounds in charges compared to other credit cards or finance providers. What I love most is how simple it is to manage. The app and website are crystal clear — I can see exactly what I owe, my due dates, and set up payments in just a couple of taps, no hidden fees or confusing small print. I’ve had to contact customer service a couple of times with small questions, and every single time the team was friendly, helpful, and sorted things out right away — no being passed around from one person to another for hours like I’ve experienced with banks in the past. It feels like a financial safety net that actually works for me, not against me. It’s helped me keep my vans on the road, take on more jobs, and grow my business without having to worry about cash‑flow dips. If you are self‑employed, run your own business, or just want a flexible, honest way to manage your money, I cannot recommend PayPal Credit highly enough. It has earned my full trust, and I wouldn’t go back to how I managed before. Reviewed on: 7th June 2026

PayPal credit and pay in three are very helpful to h...

PayPal credit and pay in three are very helpful to have when you need it. Reviewed on: 7th June 2026

Easy to understand.

Easy to understand. Makes those bigger purchases easier to manage. Reviewed on: 7th June 2026

I always go through PayPal, even just to pay for gro...

I always go through PayPal, even just to pay for groceries I use may PayPal card to get my points. Reviewed on: 7th 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
Retail Finance
from Close Brothers 3.17 from 12 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101284 reviews
Payments
from PayPal 4.71 from 3855 reviews
Credit card
from PayPal 4.66 from 125 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