Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148650 reviews)

View other PayPal products

4.73

Based on 148,510 reviews, last reviewed 4th Jul 2026

4488100% increase in 5 star reviews

in the past 90 days

13200% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Always so easy to deal with. Always so easy to deal with. Simple, straightforward and no nonsense! Reviewed on: 4th July 2026

Latest lowest rating:

2

The interest rate is too high. The interest rate is too high. It will take forever to pay off the credit even if the minimum payment is almost 5% of the outstanding balance. Reviewed on: 3rd 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 (148650)

Easy Secure

Easy to use, setup and interface. Secure details Reviewed on: 16th April 2026

Paypal is the only credit I use

I have had PayPal for a long time, I can use my credit, I can pay this off in 4 months interest free, a lot of other credit accounts want it payed in 3 payments and they take the first payment straight away, where as PayPal is different and gives you so much more. I can always get staff to get back to me if I have a problem, very kind and understanding. So there is a lot of credit out their, but I’m sticking with PayPal. Reviewed on: 16th April 2026

Great stuff, no complaints, very flexible & handy

Great stuff, no complaints, very flexible & handy Reviewed on: 16th April 2026

Amazing recovery of funds

My account had been compromised and some fraudsters had set up a facebook payment scam, who had taken my account from 0 to maxed out limit within a week discreetly. I notified paypal of this problem and they were very helpful and reassuring when it came to supporting me through this traumatic time. Reviewed on: 16th April 2026

Flexible payment options help out

Flexible credit options like Pay-in-3 help take the sting out of medium to large purchases. The growing integration with many retailers at check-out provides options without the hassle of bank applications or costs of credit cards. Reviewed on: 16th April 2026

Never had any issues.

Never had any issues. Having 4 months interest free is great! Reviewed on: 16th April 2026

Quick and convenience to pay for goods

Quick and convenience to pay for goods Reviewed on: 16th April 2026

Never a problem.

Never a problem. Love all the features available Reviewed on: 16th April 2026

All excellent experience from pay pal nothing bad to...

All excellent experience from pay pal nothing bad to say. Reviewed on: 16th April 2026

Pay pal is very easy to use.

Pay pal is very easy to use. I will definitely recommend it. 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 Close Brothers 3.17 from 12 reviews
Very Account
from Shop Direct 3.38 from 27 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 79678 reviews
Payments
from PayPal 4.71 from 3759 reviews
Credit card
from PayPal 4.70 from 101 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