Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (147718 reviews)

View other PayPal products

4.73

Based on 147,512 reviews, last reviewed 2nd Jul 2026

4442350% increase in 5 star reviews

in the past 90 days

12900% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Highly recommended. Highly recommended. Very easy and convenient to use. All very straightforward. Reviewed on: 2nd July 2026

Latest lowest rating:

2

Not helpful I have been with PayPal for many years and there have been a few problems I have had with payments and scams and they have not been resolved correctly Reviewed on: 2nd July 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 (147718)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Love the ease of PayPal

I love how you get 4 months interest free. It allows me to spread the cost of bigger purchases. It’s easy to see on the App what are promotional offers and what are not, so I know how much to pay each month without incurring interest. I’ve recently got the virtual card to add to my Apple wallet to make purchases from shops easier. I love how you get points too! These give you money off, so that’s great. Reviewed on: 15th June 2026

Effortless way to pay, options of interest free cred...

Effortless way to pay, options of interest free credit is a boon. Reviewed on: 15th June 2026

I have used PayPal for many years

I have used PayPal for many years across PayPal credit, PayPal pay in 3 and paying on websites through PayPal and it has been the easiest service to use and I have never had any issues with it. The app is user friendly and informative Reviewed on: 15th June 2026

Good for budgeting

I value the interest free 4 months for payments over £100 and if I have a dispute with a seller it has been settled by PayPal with no hassle Reviewed on: 15th June 2026

App is friendly and easy to use.

App is friendly and easy to use. Easy payment options and protection. I would recommend using PayPal credit options for your shopping. Reviewed on: 15th June 2026

convenient for online use.

convenient for online use. have been using for about 20 years without issues Reviewed on: 15th June 2026

Great experience with PayPal Credit

I've had a really positive experience using PayPal Credit. The application process was quick and straightforward, and it's been really convenient for making larger purchases without using my regular card. Payments are easy to manage and customer service has been helpful whenever I've had questions. I'd definitely recommend it to anyone looking for a flexible way to pay. Reviewed on: 15th June 2026

Flexible and Convenient Payment Option

Flexible and Convenient Payment Option Reviewed on: 15th June 2026

My experience with PayPal has been great the servi...

My experience with PayPal has been great — the service is very helpful and consistently reliable, which makes transactions much easier and worry‑free. Reviewed on: 15th June 2026

Easy to control my money

Easy to control my money,4 months 0% interest is good for me 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

Payments
from PayPal 4.71 from 3758 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Novuna Personal Finance 4.74 from 173 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 78997 reviews
Payments
from PayPal 4.71 from 3758 reviews
Credit card
from PayPal 4.70 from 100 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