Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (64705 reviews)

View other PayPal products

4.90

Based on 64,705 reviews, last reviewed 14th Apr 2026

1280700% increase in 5 star reviews

in the past 90 days

3900% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Excellent service. Excellent service. very easy and efficient Reviewed on: 14th April 2026

Latest lowest rating:

1

Rubbish service. Rubbish service. I'm so not happy 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 (64705)

Simple and helpful

Having it gives me peace of mind for when those unexpected items are needed. Never had an issues. Reviewed on: 8th July 2022

Perfect option

Amazing to have PayPal credit as an option for payments, especially in these very difficult times. It makes spending a little less of a headache and with manageable rates and payment options for repayment, it’s an awesome feature! Reviewed on: 8th July 2022

Great

Very reliable and easy to use. Can be easily used across various shops online Reviewed on: 8th July 2022

Great credit service

I love the 3-month interest-free service for purchases and paying a purchase in 3 instalments. Reviewed on: 8th July 2022

Better than others...

Better than others because I get 4 months (and sometimes more, depending on the retailer offer) interest free. Reviewed on: 8th July 2022

Great service all the time

Paypal makes it so easy to pay for purchases. I love that you can spread larger purchases over time and also the buyers protection. Great service Reviewed on: 8th July 2022

Accepted for once :)

I'm happy with PayPal Credit as one of the few lenders that would actually accept me. It has really helped me with larger purchases I can't afford outright due to being on a low NHS wage. Reviewed on: 8th July 2022

Easy to use and excellent features

Paypal credit is easy to use and very clear on the terms and conditions. This makes it easy to stay in control of my finances when I might need a little help with a purchase. Reviewed on: 8th July 2022

Excellent credit facility

Paypal credit always comes in handy, with reasonable APR rates. Customer service when you need them is first class! Reviewed on: 8th July 2022

Excellent service

PayPal credit has come in handy and the service you get is amazing, would highly recommend Reviewed on: 8th July 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 V12 Retail Finance 4.69 from 25 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