Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.732492709889924613 (144704 reviews)

View other PayPal products

4.73

Based on 144,558 reviews, last reviewed 22nd Jun 2026

4308600% increase in 5 star reviews

in the past 90 days

12400% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Very good service all round This is brilliant for buying bigger things that are needed Reviewed on: 22nd June 2026

Latest lowest rating:

1

Not great experience getting my money back when I wa... Not great experience getting my money back when I was within my right 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 (144704)

I have had nothing but good experience with PayPal

I have had nothing but good experience with PayPal Reviewed on: 16th April 2026

It helps in unexpected situations

I use this often. It helps in unexpected situations. I would recommend it to anyone. Reviewed on: 16th April 2026

a lot of sellers PayPal accepted

Pros Interest-free offers: Often 0% interest for 4 months on purchases over a certain amount Easy to use: Integrated directly into PayPal at checkout Quick approval: Fast application process Flexible payments: You can pay in instalments or early without penalties Cons High interest rate: If you don’t pay within the promotional period, interest can be quite high Affects credit score: Missed payments can negatively impact your credit Limited use: Only works where PayPal is accepted Temptation to overspend: Easy access to credit can lead to unnecessary purchases Overall Verdict Good for short-term borrowing if you are confident you can repay within the interest-free period Reviewed on: 16th April 2026

Good and very nice fastI like paypay so much everyda...

Good and very nice fastI like paypay so much everyday Nice Reviewed on: 16th April 2026

From online credit to plastic card that you can use...

From online credit to plastic card that you can use on store. Reviewed on: 16th April 2026

I have had no issues using PayPal and would recommend.

I have had no issues using PayPal and would recommend. Reviewed on: 16th April 2026

Mainly good experiences.

Mainly good experiences. Range of financial options, however some are lumped together e.g PayPal credit - 18 month installments/4 months interest free. When making extra payments no choice for which product so this is sometimes allocated incorrectly. S75 consumer credit act refund claim dealt with using PayPal credit even when refund through PayPal buyer protection failed as seller had requested this to be returned to an address not recorded on their PayPal account so well worth using the credit function. Reviewed on: 16th April 2026

Top site

Brilliant payment service, fast, secure and friendly. I have used for 3 years with no problems and effective payments and plans successfully completed. I could not ask for more from the company and the pay in 3 is great way to spread interest free payments. Reviewed on: 16th April 2026

Fast service, easy to use.

Fast service, easy to use. PayPal is very easy to use and helps stagger payments for goods and services. Reviewed on: 16th April 2026

I always have an excellent experience with PayPal.

I always have an excellent experience with PayPal. All issues have been promptly solved. Highly recommended. Reviewed on: 16th 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 Omni Capital Retail Finance 3.99 from 4 reviews
Payments
from PayPal 4.71 from 3756 reviews
Retail Finance
from Novuna Personal Finance 4.74 from 173 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 75426 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