Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (144808 reviews)

View other PayPal products

4.73

Based on 144,806 reviews, last reviewed 24th Jun 2026

4319700% increase in 5 star reviews

in the past 90 days

12450% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Simple to use, good to space out payments Simple to use, good to space out payments Reviewed on: 24th June 2026

Latest lowest rating:

1

Scam alert Alerted that I couldn’t have credit due to credit check and referred to team union. ( I gave excellent credit rating on experien.). Trans union asjed ... Read more Reviewed on: 22nd June 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 (144809)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024

great points system, lets you get some decent cashba...

great points system, lets you get some decent cashback on purchases Reviewed on: 22nd June 2026

Loving my debit and credit card

I have used my debit card abroad on my trip to Lima-Peru and had no problems at all,it's very motivated to get points with that card,and my credit card I have just using not long ago and again all good Reviewed on: 22nd June 2026

Having the option to use 4 months free credit is great!

Having the option to use 4 months free credit is great! Reviewed on: 22nd June 2026

Great offer for Buy-Now-Pay-Later

Great offer for Buy-Now-Pay-Later Reviewed on: 22nd June 2026

Good service and good use of access through the app

Good service and good use of access through the app Reviewed on: 22nd June 2026

Excellent facility to have

I have used PayPal credit when purchasing items on a number of occasions. The process is simple and gives me the benefit of paying for something over a period of time, while not being charged interest. The information of when the payments are required is clear in my account and making payments is simple to do. I now look to see if I can use PayPal credit when purchasing online. Reviewed on: 22nd June 2026

Been Using Paypal Credit for about 6 months now and...

Been Using Paypal Credit for about 6 months now and i can honestly say im loving it. I found the application process to be very easy and the integration with Paypal made purchases very convenient for me. Reviewed on: 22nd June 2026

Use PayPal credit on large purchases and spread cost!

I use PayPal credit on large items as it provides a quick and easy way to checkout online and spread cost. I highly recommend it to anyone. Reviewed on: 22nd June 2026

Very Useful.

I find PayPal Credit extraordinarily useful & the 0% interest period (a year when I started using it) was generous. My only gripe is that the relevant webpage is still showing that I am still getting 0% interest even though the year is over. I find this to be misleading and annoying Reviewed on: 22nd June 2026

PayPal is the best!

I like having the extra layer of security using PayPal as a go between my purchases and bank account. I’ve used PayPal for many years now and cannot fault them. If I’ve needed assistance it’s been fairly easy to contact them. I always recommend PayPal to friends and family. Reviewed on: 22nd 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

Very Account
from Shop Direct 3.38 from 27 reviews
Payments
from PayPal 4.71 from 3756 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 75539 reviews
Payments
from PayPal 4.71 from 3756 reviews
Credit card
from PayPal 4.69 from 98 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