Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (172869 reviews)

View other PayPal products

4.73

Based on 172,574 reviews, last reviewed 9th Jul 2026

1417% increase in 5 star reviews

in the past 90 days

1386% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

All good no problems. All good no problems. Easy to use interface. Reviewed on: 9th July 2026

Latest lowest rating:

1

I have had one very unpleasant experience with PayPa... I have had one very unpleasant experience with PayPal, they offered no support regardless of an exceptional circumstance and regardless of my excellen... Read more Reviewed on: 9th 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 (172923)

Fantastic all round experience.

Fantastic all round experience. Used PayPal for years Reviewed on: 13th May 2026

PayPal Credit - My Experience So Far

When I applied for PayPal Credit the online process was very well presented & easy to understand. This enabled me to complete my application smoothly & stress free. I also had my approval from PayPal super quickly - It literally only felt like a few seconds! I’ve used the online bot for messaging about my account & got my questions answered quickly & efficiently, which surprised me. Yesterday (11/05/2026), I had telephone contact with a human - shocked to get one, but impressed I did. I didn’t have long waiting on hold - got through in 1-2 minutes. The lady I spoke with spoke clearly, so I could understand her every word. She resolved all three of my issues really well, which instantly reduced my stress levels. Nothing was too much for her - which left me most impressed. Overall in the short time I’ve been a PayPal Credit customer I actually don’t have anything negative to say. I would highly recommend them to my friends & family. Thank you PayPal Credit & keep up the good work! Reviewed on: 13th May 2026

I’ve been with PayPal for around eleven years now an...

I’ve been with PayPal for around eleven years now and never had any problems at all!! It’s great to be able to have a choice and spread the costs over three payments. Reviewed on: 13th May 2026

It was Fantastic.

It was Fantastic. Didn't really about paypal credit. Used paypal only for Ebay payments. It was when I bought a phone online I was directed to pay via paypal and I got it on Credit. Ever since, there was no additional interest. Reviewed on: 13th May 2026

Honestly cannot fault.

Honestly cannot fault. Great help to spread the cost of things Reviewed on: 13th May 2026

Excellent and So easy to use and pay

So easy to use and pay, secure way to pay for peace of mind Reviewed on: 13th May 2026

Definitely recommend

So convenient to use...pay over 3 installments is great and get points too Reviewed on: 13th May 2026

Excellent

Love PayPal so easy to use love the pay in 3 Reviewed on: 13th May 2026

PayPal. Safe and convenient!

I have used payPal for years - firstly on EBay. As they have expanded, I have used them more and more, for convenience and their trustworthiness. Reviewed on: 13th May 2026

Flexible and convenient - Easy to use and always ava...

Flexible and convenient - Easy to use and always available Reviewed on: 13th May 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 4.44 from 25 reviews
Retail Finance
from Novuna Personal Finance 4.73 from 173 reviews
Payments
from PayPal 4.70 from 3836 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 95541 reviews
Payments
from PayPal 4.70 from 3836 reviews
Credit card
from PayPal 4.70 from 119 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