Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (88085 reviews)

View other PayPal products

4.90

Based on 88,085 reviews, last reviewed 28th Apr 2026

1720300% increase in 5 star reviews

in the past 90 days

9900% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

A very useful purchasing tool. A very useful purchasing tool. With plenty of reminders to retain a good credit status. Reviewed on: 28th April 2026

Latest lowest rating:

1

Terrible customer service Paypal have terrible customer services, they don't seem to understand the concerns you have raised and don't seem to be in a position to put this righ... Read more Reviewed on: 27th April 2026

Read all reviews See your 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.

PayPal PayPal Credit reviews (88085)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

Very easy to use and good service.

Very easy to use and good service. Reliable company with customer safety at heart. Reviewed on: 22nd April 2026

Great all rounder

User friendly with a great app where everything re your account can be easily managed. Reviewed on: 22nd April 2026

Convenient but watch the interest review!

I’ve used PayPal Credit a few times for larger purchases, and it’s been really convenient to spread the cost. The application process was quick and easy, and it integrates smoothly with PayPal checkout. However, the interest rates can be quite high if you don’t pay it off within the promotional period, so you need to stay on top of repayments. Customer service has been okay, but not always the quickest to respond. Overall, it’s a useful option for short-term financing, but I’d only recommend it if you’re confident you can repay on time. Reviewed on: 22nd April 2026

Very easy to use and really fast

Very easy to use and really fast Reviewed on: 22nd April 2026

My preferred method of purchases.

PayPal is great for backup on your purchases. Plus, PayPal credit and pay-in-3 is well handy sometimes. Reviewed on: 22nd April 2026

SUPERB easy

Easy way to pay for everything,easy on-line shopping Reviewed on: 22nd April 2026

Great to be able to spread out payments.

Great to be able to spread out payments. Reviewed on: 22nd April 2026

Always offer what I need and secure and simple to...

Always offer what I need and secure and simple to use Reviewed on: 22nd April 2026

It has been a great experience, low interest rates a...

It has been a great experience, low interest rates and good customer support Reviewed on: 22nd April 2026

I always use paypal it’s very reliable and the app i...

I always use paypal it’s very reliable and the app is easy to navigate Reviewed on: 22nd April 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 4.68 from 25 reviews
Retail Finance
from Omni Capital Retail Finance 3.80 from 4 reviews
Very Account
from Shop Direct 4.38 from 27 reviews

Want to see more from PayPal?

PayPal Open
from PayPal 5.00 from 4 reviews
Pay in 3
from PayPal 4.93 from 40258 reviews
Credit card
from PayPal 4.92 from 66 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