Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148928 reviews)

View other PayPal products

4.73

Based on 148,766 reviews, last reviewed 4th Jul 2026

4499750% increase in 5 star reviews

in the past 90 days

13250% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really easy to use. Really easy to use. I feel safer paying with PayPal and won't buy if that option is not available Reviewed on: 4th July 2026

Latest lowest rating:

2

Can't make separate transfers. Can't make separate transfers. Just direct debit Reviewed on: 4th 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 (148928)

Good value

Good value and nice benefits such as 0% over x time Reviewed on: 16th April 2026

Great experience

Very helpful and professional the service centre responded quickly Reviewed on: 16th April 2026

excellent paypal service .

excellent paypal service . appreciate it Reviewed on: 16th April 2026

PayPal Credit is super handy for online shopping, es...

PayPal Credit is super handy for online shopping, especially when you need a bit of extra time to pay. It's easy to apply for, and once approved, it's linked to your PayPal account, making checkout a breeze. The main perk is the interest-free period on purchases over a certain amount, which can save you money if you pay it off within the promotional period. However, it's important to be mindful of the interest rates after the promotional period ends, as they can be quite high. Late payment fees can also add up, so it's crucial to make payments on time. Overall, PayPal Credit is a useful tool for managing online purchases, but like any credit product, it requires responsible usage to avoid unnecessary costs. In conclusion, PayPal Credit can be a great option for online shoppers who want flexibility in their payment options, as long as they're diligent about managing their account and making timely payments. Reviewed on: 16th April 2026

PayPal is a very reliable service.

PayPal is a very reliable service to use to pay for your online purchases. I am very happy with PayPal, thank you. Reviewed on: 16th April 2026

A Brilliant experience

Since I had PayPal it’s been brilliant experience Reviewed on: 16th April 2026

Very easy to use in the app

Excellent customer service and very easy to use the app for purchases Reviewed on: 16th April 2026

The currency experience.

Great experience, used PayPal for several years and it’s a great way of experiencing the world of money/currency. May that be sending/receiving/saving/earning. Reviewed on: 16th April 2026

Great service

Easy to use very handy in some situations Reviewed on: 16th April 2026

Very good service,However why does it take so long t...

Very good service,However why does it take so long to clear payments from one account to my PayPal account .?. 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 Zebra Finance 4.08 from 6 reviews
Payments
from PayPal 4.71 from 3759 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 79823 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