Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145396 reviews)

View other PayPal products

4.73

Based on 145,393 reviews, last reviewed 26th Jun 2026

4346600% increase in 5 star reviews

in the past 90 days

12500% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Paypal is easy to use, the credit facilities are fan... Paypal is easy to use, the credit facilities are fantastic and the Paypal credit card application was a breeze and has very competitive rates. Reviewed on: 26th June 2026

Latest lowest rating:

2

Been with you for 8 years and you are the only firm... Been with you for 8 years and you are the only firm that has never increased my pathetically low credit limit ! Reviewed on: 25th June 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 (145396)

PayPal credit is ideal for those purchasers that you...

PayPal credit is ideal for those purchasers that you want split over time - direct debit means you never miss a payment and you can always pay Early. They keep an eye on your credit so you don’t over stretch yourself Reviewed on: 15th June 2026

Great for larger purchases interest fee

I use PayPal credit for big purchases. I appreciate the ability to pay over time and not pay interest. I also like security of PayPal. Having had a dispute with a retailer who gave poor service PayPal stepped in and resolved the matter. Whilst it took time I did not incur further fees. So delighted Reviewed on: 15th June 2026

PayPal credit is a credit provider that has enabled...

PayPal credit is a credit provider that has enabled 0% for 4 months interest free rate via digital card / transaction purchases. The new card format has enabled me access to more credit ensuring I can buy the goods I require at the right time. Reviewed on: 15th June 2026

Reassuring to know it's there when you need it, and...

Reassuring to know it's there when you need it, and competitive rates as well. Reviewed on: 15th June 2026

All round great service

Lots of easy options, normal balance, pay in 3, 0% for 4 months, pools for office or friend groups. I couldn't have done half the things I wanted without some of these being available. Ive rarely had to contact customer services but when I have, I've received great service. I went from being prepared for an argument to being pleasantly surprised and my problem resolved to my satisfaction, zero stress Reviewed on: 15th June 2026

Great coustmer service.

Great coustmer service.i have purchased canon lens. Easy emi available.and low interest.. Thankyou Reviewed on: 15th June 2026

Easy to use

Convenient and efficient, worth having. Make completing transactions faster at checkout. Reviewed on: 15th June 2026

I've had PayPal for years and have never had an issue.

I've had PayPal for years and have never had an issue. Reviewed on: 15th June 2026

PayPal Credit Is A Lifesaver

PayPal Credit has helped me with purchasing items that woukd be too expensive to pay in a single transaction, such as concerts, tech, etc. Reviewed on: 15th June 2026

PayPal use

Friendly, fast service. Easy to use Reviewed on: 15th 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

Very Account
from Shop Direct 3.38 from 27 reviews
Retail Finance
from Zebra Finance 4.06 from 6 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 76363 reviews
Payments
from PayPal 4.71 from 3757 reviews
Credit card
from PayPal 4.69 from 98 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