Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.732489639187411022 (144683 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 (144683)

Really easy to use.

Really easy to use. Flexible payment option. Reviewed on: 13th June 2026

0% over 4 months.

I like the 0% over 4 months for £100+ payments, it give flexibility for larger purchases. Also the pay in 3 is another good option. It’s nice to have various options to choose from,’picking the one that suits your needs and wants. Reviewed on: 13th June 2026

Reliable, great offers, reasonable credit limit, tru...

Reliable, great offers, reasonable credit limit, trustworthy Reviewed on: 13th June 2026

Excellent.

Excellent. Really helps to split payments Reviewed on: 13th June 2026

Using PayPal is easier and safe and much more conven...

Using PayPal is easier and safe and much more convenient Reviewed on: 13th June 2026

Paypal gives me more opportunities to afford items...

Paypal gives me more opportunities to afford items I need to buy. It also provides safety to get money back when issues arise. Reviewed on: 13th June 2026

So easy to use, checkout it’s right there and when i...

So easy to use, checkout it’s right there and when it’s not you can even simulate a traditional card. Reviewed on: 13th June 2026

Flexibility of PayPal

I love the flexibility of PayPal …. Especially PayPal credit, it enables me to buy things and pay for them over time with the flexibility of payment times. Always clear and concise on the website, so I know exactly where I am with my finances Reviewed on: 13th June 2026

I have found PayPal to be very useful, easy to use a...

I have found PayPal to be very useful, easy to use and now that I have a PayPal debit and credit card that works seamlessly with my account allowing me to use PayPal where it previously wasn't an option is so convenient, I just can't fault it. The new PayPal credit card functions in the same way as the online service meaning that I can now buy things on the high street and if the total meets the threshold, I can get four months interest free to pay it which is my favourite benefit of using PayPal Credit. I also like the fact that there are no penalties for paying off the balance early. I am a frequent user of PayPal Credit as I find it so handy. Reviewed on: 13th June 2026

Just good all round experience

Just good all round experience-easy to use Reviewed on: 13th June 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

Loan
from Snap Finance 4.82 from 370 reviews
Retail Finance
from Zebra Finance 4.06 from 6 reviews
Payments
from PayPal 4.71 from 3756 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 75401 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