Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (106331 reviews)

View other PayPal products

4.90

Based on 106,331 reviews, last reviewed 13th May 2026

2559950% increase in 5 star reviews

in the past 90 days

7550% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Great service, never had any issues. Great service, never had any issues. Got approved for credit easily. Assigining reoccurring payments is super easy. I will continue to use the PayPal ... Read more Reviewed on: 13th May 2026

Latest lowest rating:

1

Customer service non-existent. Avoid. Customer service is impossible to find. When you do find it, the chat is never responded to (agent just left the chat). It also times out without tell... Read more Reviewed on: 13th May 2026

Read all reviews See your 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.

PayPal PayPal Credit reviews (106331)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

I have never had an issue with PayPal.

I have never had an issue with PayPal. Reviewed on: 6th May 2026

Smooth, safe, and super quick to pay, PayPal is my g...

Smooth, safe, and super quick to pay, PayPal is my go-to.Trust in every transaction with PayPal never disappoints.Click, Pay. Done. That’s PayPal.Also like to add PayPal is where convenience meets confidence. Payments that feel invisible, but work perfectly that's PayPal. Turning payment into peace of mind that's PayPal. A smarter way to pay and safer way to trust that's PayPal Reviewed on: 6th May 2026

I wish there was a DD option without linking bank

Experience has been good however I wish there was a way to det up a direct debit without needing to link your bank account. Fairly easy interface but sometimes it takes a little while to load. Apart from that no issues that have no work arounds Reviewed on: 6th May 2026

Jignasa Patel

Best Feature: Automatic 0% interest for 4 months on every purchase of £99+, which is perfect for spreading the cost of big items.Ease of Use: Seamlessly integrates into the PayPal app, making it easy to track promotional deadlines and manage payments.The Perks: You earn PayPal+ points on your spending, adding extra value to your regular shopping.The Catch: Purchases under £99 do not get the interest-free deal and carry a high standard APR.Support: The digital experience is great, but customer service is mostly automated and can be tricky to navigate for complex issues Reviewed on: 6th May 2026

I’ve used PayPal for years now and always encourage...

I’ve used PayPal for years now and always encourage my children and friends too as I feel it’s a safer platform on line to use to protect payments and goods purchased . Minimising frauds and scams , I work with the elderly too and I also advocate this for them too Reviewed on: 6th May 2026

Safe way of paying offers a number of options

Safe way of paying offers a number of options Reviewed on: 6th May 2026

Super convenient

Easy to use, minimal cost, great for ordering items which you aren’t sure if you are going to keep. Reviewed on: 6th May 2026

Paypal 1st class

always efficient and straight forward, and offer multiple options Reviewed on: 6th May 2026

I’m PayPal Credit it’s good working I’m happy

I’m PayPal Credit it’s good working I’m happy Reviewed on: 6th May 2026

I never have problems with Paypal

I never have problems with papal, whenever I have a problem with a seller their customer service are always quick to help. Reviewed on: 6th 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 Close Brothers 2.53 from 12 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?

Pay in 3
from PayPal 4.93 from 50424 reviews
Payments
from PayPal 4.91 from 3715 reviews
Credit card
from PayPal 4.90 from 82 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