Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (106331 reviews)

View other PayPal products

4.90

Based on 106,331 reviews, last reviewed 13th May 2026

2559950% increase in 5 star reviews

in the past 90 days

7550% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Great service, never had any issues. Great service, never had any issues. Got approved for credit easily. Assigining reoccurring payments is super easy. I will continue to use the PayPal ... Read more Reviewed on: 13th May 2026

Latest lowest rating:

1

Customer service non-existent. Avoid. Customer service is impossible to find. When you do find it, the chat is never responded to (agent just left the chat). It also times out without tell... Read more Reviewed on: 13th May 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 (106331)

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

Fantastic

Really good so far easy to use extremely user friendly Reviewed on: 12th May 2026

Always great experience,never a let down!

Always great experience,never a let down! Reviewed on: 12th May 2026

Paypal no 1 for me

PayPal a great way of paying up purchases interest free, secure payments, easy to obtain refund. Reliable service, Reviewed on: 12th May 2026

reliable and convenient payment option

PayPal has been a reliable and convenient payment platform for me. Transactions are quick, secure, and easy to manage, whether shopping online or sending money to others. The app is user-friendly, and I appreciate the added buyer protection for extra peace of mind. Overall, a great service that makes online payments simple and stress-free. Reviewed on: 12th May 2026

Safe & secure payment options

Secure options for payment as well as short term and long term manageable credit options such as pay in 3. Reviewed on: 12th May 2026

I like the flexibility Paypal plans give me.

I like the flexibility Paypal plans give me. I can choose to pay in full, pay in instalments or defer payment. It means I can schedule payments to when I know I can afford the repayments - really useful over Christmas or our annual holiday. If my budgeting has been really good and I have excess funds one month, I can pay more off my balance, or if I've spent out more than my budget one month, I only need to pay minimum payment. I find it really helps me with finances. I also like the fact I can order over the internet and return goods if I want before I've even had to pay out cash for them which is great for peace of mind and security. I find Paypal works for me and my family. Reviewed on: 12th May 2026

Excellent wallet for my pocket money

Excellent wallet for my pocket money Reviewed on: 12th May 2026

Excellent customer service.

Excellent customer service. Very cooperative. Reviewed on: 12th May 2026

I use it for big purchases that I would like covered.

I use it for big purchases that I would like covered. I like the fact that I can pay it over 4 months. The onlly thing I don't like is that I can't specify which purchase I am making a payment on. Reviewed on: 12th May 2026

Easy to use

Easy to use, quick access and i prefer to use it Reviewed on: 12th May 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 Close Brothers 2.53 from 12 reviews
Retail Finance
from Novuna Personal Finance 4.77 from 172 reviews
Retail Finance
from Zebra Finance 4.76 from 6 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.93 from 50424 reviews
Payments
from PayPal 4.91 from 3715 reviews
Credit card
from PayPal 4.90 from 82 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