Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (100563 reviews)

View other PayPal products

4.90

Based on 100,563 reviews, last reviewed 7th May 2026

2295400% increase in 5 star reviews

in the past 90 days

6700% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Love having paypal credit. Love having paypal credit. Even more so now that I have a card. Reviewed on: 7th May 2026

Latest lowest rating:

1

Never had a problem with PayPal, use it for most pur... Never had a problem with PayPal, use it for most purchases as its great cover incase anything ever goes wrong with a purchase that I make , and the cu... Read more Reviewed on: 7th May 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 (100563)

Easy and Simple

I have bought a phone and several gadgets using PayPal Credit, it’s very easy and convenient and loads of retailers have the option to pay via PayPal. I can keep track of my spending and payments using the PayPal app which is straightforward and simple to navigate, highly recommend! Reviewed on: 3rd May 2026

Help me to survive in my hard time

Help me to survive in my hard time Reviewed on: 3rd May 2026

I’ll paid always from paypal to square payment going...

I’ll paid always from paypal to square payment going through Reviewed on: 3rd May 2026

Fantastic experiencei always pay by PayPal fo...

Always fantastic experiencei I do pay by PayPal for my shopping online, feel more secure,and it gives you time to pay back and peace of mind Reviewed on: 3rd May 2026

Easy to use

I haven't spoken to customer support hence the neutral score in that question. But you are good value for money and very accessible. I began my credit while buying a laptop and have utilised it since Reviewed on: 3rd May 2026

Using PayPal has made me feel safer when purchasing...

Using PayPal has made me feel safer when purchasing anything online. App is easy to use, can easily keep up to date with purchases and payments. Reviewed on: 3rd May 2026

Easy to check out online and full transparency on ch...

Easy to check out online and full transparency on charges Reviewed on: 3rd May 2026

Fabulous facility to be used wisely.

Bottom line is this is a fabulous facility which enables the individual to procure goods and spread the costs of repayment (interest free) over a four month period following the purchase. Sometimes you spot an item that you genuinely want or need and in normal circumstances you have to consider whether it is prudent (or not) to hit the 'Buy it Now' button due to other financial commitments you may actually have at the point of purchase. With PayPal Credit you can comfortably push that button in the knowledge that you have four full calendar months to repay the amount totally interest-free and an extended period beyond that to clear the loan at a favourable rate. In my experience you should ideally only restrict usage to buy essential goods that don't usurp your total credit limit so that it always remains comfortable to repay. In summary accordingly it is an overall fabulous facility to have available and to use wisely, with some discipline. Reviewed on: 3rd May 2026

Perfect and an easy to use application

Perfect and an easy to use application Reviewed on: 3rd May 2026

Good service .

Customer service was good all though did take a while Reviewed on: 3rd 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 Zebra Finance 4.76 from 6 reviews
Payments
from PayPal 4.91 from 3707 reviews
Retail Finance
from V12 Retail Finance 4.68 from 25 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.93 from 47308 reviews
Credit card
from PayPal 4.91 from 79 reviews
Payments
from PayPal 4.91 from 3707 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