Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181100 reviews)

View other PayPal products

4.73

Based on 181,099 reviews, last reviewed 5th Aug 2026

62% increase in 5 star reviews

in the past 90 days

86% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I have been useing paypal for over 20 years now safe... I have been useing paypal for over 20 years now safest way to purchase online Reviewed on: 5th 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 (181100)

Paypal Review

Good customer support , options, flexibility , fast approval, promotional offer Reviewed on: 1st June 2026

Brilliant.

Brilliant. I love the fact my card is digital so just downloaded to my phone wallet so no need to remember a physical card. Reviewed on: 1st June 2026

Paypal have never let me down when I have needed a l...

Paypal have never let me down when I have needed a little extra time to make large purchases. Reviewed on: 1st June 2026

Great service from paypal

Easy to use and great service. Dashboard is easy to use and informative Reviewed on: 1st June 2026

excellent experience I fine the PayPal is very helpful

excellent experience I fine the PayPal is very helpful Reviewed on: 1st June 2026

Paypal credit, super simple, highly recommend!

I used paypal credit for a 0% purchase & it has been great. Very easy to track balance and make additional payments. Smooth experience all around. Reviewed on: 1st June 2026

Excellent service

Very easy to use to help spread costs. Very flexible in terms of setting up direct debit to pay off the credit at no added interest depending on the terms. Nice option to have to make your money go further Reviewed on: 1st June 2026

I've never had a bad experience while all the years...

I've never had a bad experience while all the years I've been using PayPal, When I had an issue customer services sorted out quickly and with ease. Reviewed on: 1st June 2026

PayPal is Good in sending money quickly and it’s saf...

PayPal is Good in sending money quickly and it’s safe and secure. Reviewed on: 1st June 2026

A Lifesaver in Emergencies

I have been using PayPal Credit for about five years now, and it has been an absolute lifesaver for me. Following some major health issues and multiple surgeries back in 2018, I found myself dealing with ongoing health struggles and tight finances. Money is always a bit of an issue, but PayPal Credit has consistently been there for me when I needed it most. It is my absolute go-to option for emergencies or whenever I need to make an essential purchase. The biggest selling point for me is the financing offer: you get a full four months to pay back your balance with 0% interest. On top of that, I’ve noticed you often get an extra two to three weeks on the billing cycle before it's officially due, which is a massive plus when you're budgeting. Their customer service is also fantastic. I’ve only had to contact them twice in the last five years, but both times the support team was incredibly helpful, polite and ready to assist. If you need a reliable safety net for unexpected expenses, I highly recommend PayPal Credit. It has given me immense peace of mind. Reviewed on: 1st 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

Payments
from PayPal 4.71 from 3855 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 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 101259 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