Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (86537 reviews)

View other PayPal products

4.90

Based on 86,537 reviews, last reviewed 26th Apr 2026

1648650% increase in 5 star reviews

in the past 90 days

4650% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Fast and easy Fast and easy to sort ,hassle free payments . Would recommend Reviewed on: 26th April 2026

Latest lowest rating:

2

Sometimes it works but not always. Sometimes it works but not always.. offers made for split repayments the balances are not always shown. Confusing Reviewed on: 26th 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 (86537)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

A payment source that you can trust

Been using PayPal credit for a number of years now and it makes it so easy to checkout with a trusted service that I know will have my back if anything is amiss. Reviewed on: 21st April 2026

Simple, Convenient and Reliable

PayPal Credit is genuinely convenient when you need a bit of breathing room financially. The app is straightforward to navigate, which makes managing payments and checking your balance quick and stress-free. I also like that there are rewards or points each time you use the credit—it adds a little extra value to everyday spending. That said, it’s still important to stay mindful of interest rates and repayment terms, as those can catch you off guard if you’re not paying attention. Overall, it’s a helpful option for short-term flexibility, especially if used responsibly. Reviewed on: 21st April 2026

It’s been largely positive except when I have bought...

It’s been largely positive except when I have bought items on EBAY and needed to complain. I have found both companies not always aligned. Reviewed on: 21st April 2026

Easy hassle free secured.

Easy hassle free secured.Made my life so much easier.Flexible payment option Reviewed on: 21st April 2026

Very easy to use the app and great service

Very easy to use the app and to create virtual cards. The reward scheme is excellent and I have already earnt money by just using PayPal for my normal spending. You feel protected using PayPal and i have used their service to claim back money where the company i was using failed me. Reviewed on: 21st April 2026

Highly recommended for long-term users

I’ve been using PayPal for over 10 years now, and thanks to their service, I’ve been able to acquire all my gear without any issues—from my perfect photography equipment to a new smartphone and TV. Reviewed on: 21st April 2026

Quick and easy to use.

Quick and easy to use. Would highly recommend to anyone Reviewed on: 21st April 2026

Easy to use and understand, user friendly

Easy to use and understand, user friendly Reviewed on: 21st April 2026

PayPal have always been extremely helpful and easy t...

PayPal have always been extremely helpful and easy to utilise and are clear with their communication as well. Reviewed on: 21st April 2026

Good experience

Could do with a contact message us system instead of having to call Reviewed on: 21st 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

Very Account
from Shop Direct 4.38 from 27 reviews
Better Off Calculator
from Policy in Practice 4.79 from 481 reviews
Loan
from Snap Finance 4.90 from 369 reviews

Want to see more from PayPal?

PayPal Open
from PayPal 5.00 from 4 reviews
Pay in 3
from PayPal 4.93 from 39612 reviews
Credit card
from PayPal 4.92 from 65 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