Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148294 reviews)

View other PayPal products

4.73

Based on 148,267 reviews, last reviewed 3rd Jul 2026

4477150% increase in 5 star reviews

in the past 90 days

13200% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Always helpful when i call, top security and purchas... Always helpful when i call, top security and purchase easily and confidently Reviewed on: 3rd July 2026

Latest lowest rating:

2

The interest rate is too high. The interest rate is too high. It will take forever to pay off the credit even if the minimum payment is almost 5% of the outstanding balance. Reviewed on: 3rd 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 (148294)

Excellent fast and accurate.

Excellent fast and accurate. Paypal is brilliant and easy to use. Reviewed on: 15th June 2026

I used PayPal credit to purchase festival tickets.

I used PayPal credit to purchase festival tickets. It helped me spread paying the amount over 4 months and save £40. Reviewed on: 15th June 2026

Easy to use, clear policies.

Easy to use, clear policies.. Safe Reviewed on: 15th June 2026

Always polite and helpful.

Always polite and helpful. Knowledgeable and efficient. Reviewed on: 15th June 2026

Paypal credit was easy to set up

Paypal credit was easy to set up, it is easy to use, and gives you peace of mind. Reviewed on: 15th June 2026

PayPal pay in 3

All good. Had no problems. Like the pay in 3 that I have used a few times. Reviewed on: 15th June 2026

quick case resolution

they really helped when I was not sent an item I purchased, refunding me the money after a week of opening the case Reviewed on: 15th June 2026

It’s useable for almost all payments and I particula...

It’s useable for almost all payments and I particularly like having instalment options too which are interest free. Reviewed on: 15th June 2026

You Pay, I Pal.

Customer service is something you can stand on. Always, they find a way. And you find a way, because PayPal credit is cheaper than banks. Juggle everything and skip happily. Reviewed on: 15th June 2026

Wonderful experience!

Wonderful experience! Easy and straight forward to apply, instant decision. The ability to get a physical card was a plus and it was delivered very quickly. I live that I can pay as little or as much as I like every month too 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

Retail Finance
from Novuna Personal Finance 4.74 from 173 reviews
Payments
from PayPal 4.71 from 3759 reviews
Loan
from Snap Finance 4.82 from 370 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 79379 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