Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (64592 reviews)

View other PayPal products

4.90

Based on 64,592 reviews, last reviewed 14th Apr 2026

1270100% increase in 5 star reviews

in the past 90 days

3800% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

It’s there if I need something without finding money It’s there if I need something without finding money Reviewed on: 14th April 2026

Latest lowest rating:

1

I set a direct debit up . I set a direct debit up . There was money in the account but it kept failing Reviewed on: 14th April 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 (64592)

easy and secure

excellent easy fast and secure to use Reviewed on: 11th August 2022

Officiant helpful and flexible

Fast payment and a great feature that you see that each payment is interest free if paid off in 4 months! Really helpful for keeping your finances on track Reviewed on: 11th August 2022

Buying the bigger things in life, with breathing space!

I've been using paypal credit since it first started, and the 0% option over 4 months really helps purchase those larger items without the worry of paying it off all in one go. I rarely use my main credit card now as most of my shopping is done online and if paypal credit is availabe, it is the option I will always choose for the bigger purchases, and just allows me to keep ahead of my finances and cashflow without feeling the burden of paying it off the next month. Like any form of credit, as long as you're smart in using it, it can really help you manage your finances for larger purchases, however the fact you can use the 4 month 0% option over and over again is a massive plus for me! Reviewed on: 11th August 2022

It has helped me out loads

Has changed my life and allowed me to take charge of my money and helped me develop as a person Reviewed on: 11th August 2022

fantastic

easy to use app for easy access to your credit with multiple options available and quick early repayment ability Reviewed on: 11th August 2022

My Precious PayPal

PayPal is always my go to purchase option online, so much so that if a website doesn't have the trusted PayPal logo as a payment option, ive closed the website altogether and they haven't gotten a sale from me. I trust PayPal to fight your corner should something go wrong as a consumer, and the customer service team are always on hand to help. I've been a customer with PayPal for a long time and enjoy their regular promotions. The Christmas one saw me bag quite a few lots of £25 for free just for using PayPal! Allowed me to get a few extra treats over the festive period. All in all, I'd highly recommend PayPal. Reviewed on: 11th August 2022

fantastic way to handle transections safe and sound

I have been using pay pall over a decade and extremely setisfied with the way it works Reviewed on: 11th August 2022

Easy friendly reliable

Paypal credit is very helpful, also gives you reminder of minimum pay. I made my daughter's room a new look uisng my paypal credit and renovate my bathroom. And monthly pay is easy make your life and finances manageable. I would highly recommend it. Reviewed on: 11th August 2022

Perfect

Absolutely perfect consideration is excellent for people/myself to manage with ease xx Reviewed on: 11th August 2022

Easy to set up, manage, and track.

PayPal credit is easy to use, always visible in the app, and leaves me feeling in control of my finances. It allows me to spread payments easily and pay off whatever I want when I can. The minimum payment is small enough that on a hard month it is easily doable. They communicate well and I am really happy with the service. Reviewed on: 11th August 2022

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 Zebra Finance 4.76 from 6 reviews
Retail Finance
from Novuna Personal Finance 4.77 from 172 reviews
Retail Finance
from Close Brothers 2.53 from 12 reviews

Want to see more from PayPal?

PayPal Open
from PayPal 5.00 from 3 reviews
Pay in 3
from PayPal 4.93 from 33224 reviews
Credit card
from PayPal 4.92 from 49 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