Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181120 reviews)

View other PayPal products

4.73

Based on 181,120 reviews, last reviewed 13th Aug 2026

28% increase in 5 star reviews

in the past 90 days

45% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal credit gives me freedom Lovely PayPal credit gives me freedom to buy items I want but can’t quite afford and can pay over time Reviewed on: 13th 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 (181120)

Helpful and good

They’re just helpful, supportive, understanding and allow me to pay back slowly. Reviewed on: 5th June 2026

I use PayPal for most of my purchases

I use PayPal for most of my purchases I feel protected aswell it’s a great service and I’ve never had to complain in all the years of using PayPal Reviewed on: 5th June 2026

I use PayPal regularly.

I use PayPal regularly. Its easy to use and they allow you to make purchases and pay them over time which is handy. Especially when big appliances in the home break and you can replace them stress free Reviewed on: 5th June 2026

Well I really like the pay in 3 option.

Well I really like the pay in 3 option. It's really useful. Thank you Reviewed on: 5th June 2026

.money lack of

when you need a helping hand they are there Reviewed on: 5th June 2026

Flexibility and peace of mind

I have been using PayPal for more than 10 years, and my experience has been excellent. One of the features I appreciate most is Buy Now, Pay Later options. The Pay in 4 interest-free plan has helped me spread the cost of purchases over several months, making budgeting much easier. I have also used the Pay in 3 option many times, and it has always worked smoothly and reliably. The application process is simple, payments are easy to manage, and I receive reminders so I never miss a payment. Over the years, PayPal has provided a secure, convenient, and trustworthy way to shop online. The flexibility of their payment options has been incredibly helpful, and I would highly recommend PayPal to anyone looking for a safe and easy way to manage purchases and payments. Reviewed on: 5th June 2026

Easy, simple, wouldnt change it.

Never had any issues, easy to use, easy to make payment and gives you information on how to psy it back if you fo not want to pay any interest which is great to show. Reviewed on: 5th June 2026

Great support for me & the family

Paypal Credit has been a great support in times when I needed a simple, clear, no fuss credit option for urgent purchases. The terms are fair and the process is user-friendly with strong customer service Reviewed on: 5th June 2026

Great service.

Great service. Easy monthly payments with no interest. Reviewed on: 5th June 2026

Always helpful and good finance options affordable

Always helpful and good finance options affordable Reviewed on: 5th 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 V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews
Payments
from PayPal 4.71 from 3855 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101278 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