Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181126 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 (181126)

Im happy using paypal at checkout for larger purchas...

Im happy using paypal at checkout for larger purchases and it's 0% for 3 or 4 months. Thank you Paypal . Almo got my PayPal credit card with months 0% for purchases over 99£ ,but not used yet. Will use definitely for larger purchases with 0% first 4 months . Reviewed on: 7th June 2026

PayPal makes me feel safer to buy online in fact if...

PayPal makes me feel safer to buy online in fact if PayPal doesn’t come up I refuse to buy. It’s so handy to to use pay in three and PayPal credit - helps to keep an eye on your spending. I would never use anything else. Reviewed on: 7th June 2026

Permanent 0%interest free period makes buying easier

I love being able to spread larger payments over 4 months interest free. That makes the difference in being able to purchase items and keep the monthly cost low. The fact this is now a card I can use in my e-wallet makes it even more valuable! Reviewed on: 7th June 2026

The best safe way to budget

I find it the perfect safe way for online shopping. By using PayPal credit it makes it easier to budget payments over a longer period of time. This is particularly helpful with larger purchases and at times of the year like Christmas. Reviewed on: 7th June 2026

I’ve quite enjoyed my experience with PayPal over th...

I’ve quite enjoyed my experience with PayPal over the last couple of years and highly recommend it to family and friends Reviewed on: 7th June 2026

Effortless, never any drama.

Effortless, never any drama. Quick to use. My only gripe is how long it takes for payments to my account to clear. Sometimes takes days and then as i get paid weekly, if im low b4 payday, something else that could easily have bounced back with no repercussions takes the money in my current account leaving my paypal payment to get declined and i get a fee!!! Everything i know when paying a bill is instant so it’s annoying that paypal takes so long Reviewed on: 7th June 2026

Excellent service

Always exvellent. Helpful and prompt Reviewed on: 7th June 2026

Quick and easy

I needed to borrow a small amount to purchase something before payday, and this was perfect. Reviewed on: 7th June 2026

It’s great especially for over 100 payments

It’s great especially for over 100 payments Reviewed on: 7th June 2026

I’ve had a positive experience using PayPal Credit.

I’ve had a positive experience using PayPal Credit. The application process was straightforward, payments are easy to manage through the app, and having the flexibility to spread the cost of purchases has been really helpful. The account information is clear and easy to understand, making it simple to keep track of balances and repayments. 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 Close Brothers 3.17 from 12 reviews
Very Account
from Shop Direct 3.18 from 28 reviews
Loan
from Snap Finance 4.82 from 370 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101282 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