Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181119 reviews)

View other PayPal products

4.73

Based on 181,117 reviews, last reviewed 12th Aug 2026

32% increase in 5 star reviews

in the past 90 days

47% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

4

Straight forward Easy to use, no issues other than the rate after the promotional period. Reviewed on: 12th 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 (181119)

Great experience every time never had any problems w...

Great experience every time never had any problems with the service Reviewed on: 4th June 2026

Was very friendly if I had any issues, easy to use a...

Was very friendly if I had any issues, easy to use and set up Reviewed on: 4th June 2026

PayPal credit is best for online purchases.

PayPal credit is best for online purchases. Reviewed on: 4th June 2026

No issues

No issues with using PayPal credit, never had to use customer services yet. Like the way you have up to 4 months to pay off. Excellent so far, love the way that its very easy to navigate the app. Reviewed on: 4th June 2026

Always use it and never fails, always buy on expensi...

Always use it and never fails, always buy on expensive products, knowing you are in good hands. Reviewed on: 4th June 2026

Expensive and confusing to payback

It's very helpfull but to be able to use PayPal credit but he charges are outrageous and very expensive to pay back. You can not choose what specific thing you are paying back either so I get late fees all the time Reviewed on: 4th June 2026

It's ok.

It's ok. Given previous issues I've had with unauthorised purchases by unknown people when I got hacked, I can't rate it higher than this. They weren't very helpful and it took ages to get the money back. Reviewed on: 4th June 2026

Paypal is a very effective means of paying

Paypal is a very effective means of paying Reviewed on: 4th June 2026

Good to talk to when needed and easy to deal with.

Good to talk to when needed and easy to deal with. No messing about when trying to deal with on a problem Reviewed on: 4th June 2026

I can't set up a direct debit to pay off my balance...

I can't set up a direct debit to pay off my balance so I have to constantly check my balance and pay it off yo avoid high charges Reviewed on: 4th 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
Loan
from Snap Finance 4.82 from 370 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