Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (171916 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 (171961)

Review of the PayPal, PayPal Credit:

A must have!

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

I’ve been using PayPal credit for around 5 years now...

I’ve been using PayPal credit for around 5 years now and find it most useful in managing my cash flow over their interest free periods. Reviewed on: 7th July 2026

Good things

I've not got a bad thing to say, always helpful if needed and resolved quickly. Reviewed on: 7th July 2026

My experience with PayPal credit has been amazing th...

My experience with PayPal credit has been amazing there customer service was on it when I had an issue with my monthly payments and made sure to get it sorted quickly so that I wouldn’t miss any other payments on my card. I was really happy with how they explained it to me and made sure that I understood everything that was going on and if I didn’t understand then they will help me with that as well. Reviewed on: 7th July 2026

It’s been a positive experience so fair the only thi...

It’s been a positive experience so fair the only thing I wish I could change is the repayment dates Reviewed on: 7th July 2026

PayPal, protection with flexible finance

PayPal keep you informed throughout a dispute. Their credit services are excellent. Having different finance options are really helpful such as pay in 3 and 4 month interest free.When you purchase using PayPal you know you have peace of mind with protection. Reviewed on: 7th July 2026

Very useful tool to have, makes larger purchases muc...

Very useful tool to have, makes larger purchases much more manageable with 4 months interest free option. Reviewed on: 7th July 2026

'It Couldn't Be Easier to Apply and to Use'

The best systems are the ones that are easy to understand and easy to implement. PayPal Credit is a perfect example of this. You are told how it works and what you get so you can understand what you are signing yourself up to. You can then easily apply and are told straight away what your credit limit is. It is then so easy to use your mobile together with the PayPal app to either 'Pay in Three' or use your allowed credit to pay for a purchase and then pay the amount off monthly. 'It Couldn't Be Easier to Apply and to Use' Reviewed on: 7th July 2026

Great service good customer service given

Great service good customer service given Reviewed on: 7th July 2026

Seamless payments with various options available.

Seamless payments with various options over length/ number of repayments and with a clear indication of the overall cost and interest to be paid. Simple to use and cannot fault any aspect of using Paypal Credit. I definitely feel in control using this. Reviewed on: 7th July 2026

reliable and trustworthy

Easy to use service, reliable and trustworthy 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

Payments
from PayPal 4.70 from 3835 reviews
Retail Finance
from Zebra Finance 4.08 from 6 reviews
Loan
from Snap Finance 4.82 from 370 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 94769 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