Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (147160 reviews)

View other PayPal products

4.73

Based on 146,832 reviews, last reviewed 1st Jul 2026

4411600% increase in 5 star reviews

in the past 90 days

12700% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I’ve used PayPal for a very long time. I’ve used PayPal for a very long time. It’s helped me buy with ease of paying monthly affordabley. Reviewed on: 1st July 2026

Latest lowest rating:

2

Opened a case for a high value item Opened a case for a high value item provided evidence that items are missing and PayPal are still dragging their heels Reviewed on: 1st 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 (147160)

Best credit service I have used.

Love using PayPal, simple easy and very low interest rates. Reviewed on: 15th June 2026

Always reliable and easy to use.

Always reliable and easy to use. Go to for payments and credit Reviewed on: 15th June 2026

I’ve had a great experience using PayPal Credit.

I’ve had a great experience using PayPal Credit. The application process was quick and straightforward, and it’s been a convenient way to spread the cost of larger purchases. The online account management is easy to use, making it simple to track payments and balances. I especially appreciate the flexibility of promotional financing offers and the ability to make payments at any time. Customer service has been helpful whenever I’ve needed assistance, and overall the service has been reliable and transparent. I would definitely recommend PayPal Credit to anyone looking for a flexible and convenient payment option. Reviewed on: 15th June 2026

Paypal credit is just good

Im using paypal credit since, at least, 8 years. It helps me expecially with the holiday expenses ( flight tickets and hotels ) because i can pay entie sum in installments Reviewed on: 15th June 2026

Paypal credit spreadingthe cost...

Paypal credit allows me to spread the cost of things I buy. Reviewed on: 15th June 2026

Easy to use and there when needed

Easy to use and there when needed Reviewed on: 15th June 2026

Great experience with Paypal

Paypal provides great credit options, the 0% percent feature is fantastic as I buy products for my business through Paypal. It's easy to use and it's a continues trusted site that I have used for many years Reviewed on: 15th June 2026

Smooth, Simple, and Surprisingly Drama Free

The PayPal process was brilliant — fast, simple, and absolutely no chaos, which is rare for me because I normally attract tech issues like a magnet. But everything worked perfectly, and I was done before I even had time to roll my eyes. A genuinely smooth online experience. Reviewed on: 15th June 2026

I got a credit exactly when I needed it

I got a credit exactly when I needed it Reviewed on: 15th June 2026

5 Stars for PayPal

Great for big purchases time to pay Reviewed on: 15th 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

Better Off Calculator
from Policy in Practice 4.64 from 496 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Loan
from Snap Finance 4.82 from 370 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 78587 reviews
Payments
from PayPal 4.71 from 3757 reviews
Credit card
from PayPal 4.69 from 99 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