Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (82463 reviews)

View other PayPal products

4.90

Based on 82,463 reviews, last reviewed 23rd Apr 2026

2921000% increase in 5 star reviews

in the past 90 days

4250% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

PayPal greatness I use PayPal all the time to send money internationally and now they have PayPal credit and it’s on Apple Pay, this makes my life so much easier! I re... Read more Reviewed on: 23rd April 2026

Latest lowest rating:

2

I have been charged with out understanding why. I have been charged with out understanding why. Even after payment. Some offer fake. Just offer people fake offer Reviewed on: 23rd April 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 (82463)

Outstanding

Outstanding easy to use Always reliable credit line available instantly never had a problem so far has help me handsomely has been critical to me. PayPal credit app is just brilliant a lot of hard work and effort by PayPal definitely I recommend few friends who already joined a bonus point PayPal credit app graphics user interface is excellent definitely a care and thought put in by PayPal Every details are very clearly explained especially the credit agreement Aswel as every term's and conditions finally I'll say no complaints thanks Reviewed on: 13th June 2022

Easy access

I have found that the credit is there when I need it, without having to go through long forms and how reliable it is. Reviewed on: 13th June 2022

Great service all round

Great easy and quick to set up and secure Reviewed on: 13th June 2022

Easy to use

Been using PayPal credit for a couple of years now. Always easy to access and use. Easy to understand Reviewed on: 13th June 2022

One word , excellent !!!!!!

0% interest for 4 months , what more can you want ? Easy to make payments anytime too . Reviewed on: 13th June 2022

No frills

PayPal credit just works and it’s part of the usual PayPal process! No cards or anything else to keep track of. Reviewed on: 13th June 2022

Without a doubt the best for Credit

I previously would never consider splitting my payments as they usually always add interest or have a catch. However with PayPal credit you can apply it to anything where you can pay using PayPal and interest free for 4 months means I can split payments without the stress of depleting all my funds in my account in one go. An example of this is how I used PayPal to buy a bunch of brand new furniture from a major retailer and then make the payments I see fit over the coming months. Thanks PayPal for making my life easier, happy days :) Reviewed on: 13th June 2022

Amazing

It's makes sense as long as you are responsible you can make it worth your while. Reviewed on: 13th June 2022

Quick, convenient, & easy

Every now and then a product comes along that does what it says on the tin. PayPal is a trustworthy name and PayPal credit is very easy to apply for and even easier to use. It makes my life easier in being able to spread the cost of more expensive items over a short period of time. Reviewed on: 13th June 2022

PayPal Review

I've been with PayPal for over 12 months now and never had any problems , I've used my credit account lots of times to buy stuff on 3 months payments or even 4 months to I find it fast and easy and great customer service Reviewed on: 13th June 2022

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 3.80 from 4 reviews
Retail Finance
from Novuna Personal Finance 4.77 from 172 reviews
Retail Finance
from Zebra Finance 4.76 from 6 reviews

Want to see more from PayPal?

PayPal Open
from PayPal 5.00 from 4 reviews
Pay in 3
from PayPal 4.93 from 37759 reviews
Credit card
from PayPal 4.92 from 64 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