Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (171762 reviews)

View other PayPal products

4.73

Based on 171,506 reviews, last reviewed 8th Jul 2026

1427% increase in 5 star reviews

in the past 90 days

1438% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal is a easy and safest way to pay. PayPal is a easy and safest way to pay. Reviewed on: 8th July 2026

Latest lowest rating:

1

Was charged £12. Vague reason Was charged £12.00 and the explanation was vague. Have never used PayPal as much as I should and am very careful to not get charged anything. This is ... Read more Reviewed on: 8th 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 (171774)

Review of the PayPal, PayPal Credit:

A must have!

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

Always would perfectly five stars

Always would perfectly Five stars everytime Reviewed on: 7th July 2026

I have used PayPal for many years.

I have used PayPal for a number of years and always found their communication really good, with a upset friendly website, also PayPal being accepted at more and more places and the protection offered on transactions gives me a sense of security, I have only rated 8 out of 10 for recommending to friends/family as I would never recommend to anyone who may not be able to afford to pay back, as with any type of lenders/credit companies. Reviewed on: 7th July 2026

Straight forward application easy to use

Straight forward application easy to use and information is clear and concise. Products available are suitable for all purchases, and the app is very useful for keeping tabs on your account. Reviewed on: 7th July 2026

Quick, efficient and helpful.

I was able to get a refund really quickly when money was taken from my account that shouldn't have been. PayPal has been brilliant at supporting me. Also great value for money - really quick and easy to purchase a wide range of goods. Reviewed on: 7th July 2026

I’ve been using PayPal now since their beginning,

I’ve been using PayPal now since their beginning, I’ve used PayPal for most of my online purchases and have used their credit facilities on a few occasions and they are very fair which has give n me the confidence to keep onboard with PayPal into the future Reviewed on: 7th July 2026

It's a quick & easy way to pay with traceable links...

It's a quick & easy way to pay with traceable links to retailers. I have been able to contact retailers via paypal to chase products and have been refunded when products have not been sent. Reviewed on: 7th July 2026

Flexibility

Paypal credit helps in those situations where the more expensive planned and unplanned items need purchasing. PLUS no interest if you time your payments right! Reviewed on: 7th July 2026

Customer Services were good at sorting out a problem...

Customer Services were good at sorting out a problem i had. It was a bit mixed up at first but sorted in no time. Reviewed on: 7th July 2026

customer service

great and efficient customer service, I highly recommend. Reviewed on: 7th July 2026

Variety of options allow cost effective choice

PayPal offer a variety of options for credit which allows choice to use the most cost effective method. Customer service, if required, is responsive and problems generally swiftly resolved Reviewed on: 7th July 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 Omni Capital Retail Finance 3.99 from 4 reviews
Retail Finance
from Novuna Personal Finance 4.73 from 173 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 94639 reviews
Payments
from PayPal 4.70 from 3835 reviews
Credit card
from PayPal 4.70 from 119 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