Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (144800 reviews)

View other PayPal products

4.73

Based on 144,793 reviews, last reviewed 24th Jun 2026

4319150% increase in 5 star reviews

in the past 90 days

12450% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great way to pay for goods and services. Been using PayPal for a long time. Never had any issue. Reviewed on: 24th June 2026

Latest lowest rating:

1

Scam alert Alerted that I couldn’t have credit due to credit check and referred to team union. ( I gave excellent credit rating on experien.). Trans union asjed ... Read more Reviewed on: 22nd June 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 (144800)

Excellent.

No issues with PayPal at all excellent service for purchase and monetary transaction Reviewed on: 17th April 2026

Easy to use, friendly and quick to set up

Easy to use, friendly and quick to set up Reviewed on: 17th April 2026

High interest rates on my account

High interest rates on my account Reviewed on: 17th April 2026

Very good

Very good and very professional with my membership Reviewed on: 17th April 2026

I'd be lost without PayPal

I used PayPal for long time now, and have always had hassle free purchases. I purchases items from different parts of the world,very easily paying in local currency through PayPal. Reviewed on: 17th April 2026

As long as you pay on time you don’t get charged for...

As long as you pay on time you don’t get charged for interest Reviewed on: 17th April 2026

Convenience

I’ve found PayPal Credit to be very convenient and easy to use, especially for spreading the cost of purchases over time. The application process was straightforward, and payments are simple to manage through the app. It’s particularly useful for online shopping and gives a bit of flexibility whenever I need it. Reviewed on: 17th April 2026

My personal review!

All was simple and easy to understand and use! Reviewed on: 17th April 2026

Most credit products feel like a trap, but I’ve foun...

Most credit products feel like a trap, but I’ve found PayPal Credit to be a surprisingly disciplined tool for my finances. I originally signed up for a one-off tech purchase using their 4-month interest-free offer, and what I appreciated most was the transparency. Unlike a traditional credit card where the "minimum payment" can feel like a moving target, the dashboard here makes it incredibly clear exactly what I need to pay to avoid interest. It has become my go-to for larger "necessary" expenses (like a new boiler part or car repairs) because I can spread the cost without the guilt of high-interest rates. Reviewed on: 17th April 2026

It's been working according to my expectatios.

It's been working according to my expectatios. Easy to use, flexible and affordable. Thank you, Paypal! Reviewed on: 17th 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 Close Brothers 3.17 from 12 reviews
Payments
from PayPal 4.71 from 3756 reviews
Better Off Calculator
from Policy in Practice 4.64 from 496 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 75536 reviews
Payments
from PayPal 4.71 from 3756 reviews
Credit card
from PayPal 4.69 from 98 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