Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (106581 reviews)

View other PayPal products

4.90

Based on 106,581 reviews, last reviewed 13th May 2026

2571550% 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

Very easy to use Very easy to use, excellent for 0% interest over 4 months 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 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 (106581)

Very reliable

Just been very reliable,never had any issues Reviewed on: 6th May 2026

Very easy to make a purchase online as most sites t...

Very easy to make a purchase online as most sites take PayPal and now with a physical card, in person at retail stores. Also the choice of pay in 3 or pay 4 interest free or spread payments over a longer term but with interest. Reviewed on: 6th May 2026

Peace of Mind Guaranteed

PayPal credit is great to have as a back up for emergency purchases. It's so useful, especially the 'pay in 3' option which means I don't have yo panic if I have an unexpected expense that's a little over budget. Reviewed on: 6th May 2026

Always a good service...

Always a good service can be used for different things Reviewed on: 6th May 2026

A great credit line with secure payments

A great credit line with secure payments that are protected in the event of any purchase issues. Reviewed on: 6th May 2026

Perfect for a single mum

Very handy and 0 per cent interest paid within the 4 months usually. Great way to spread payments Reviewed on: 6th May 2026

Efficient and friendly service

I find PayPal service to be efficient when i reach out to them on any issues regarding my account and i feel valued as a customer. I readily recommend and promote PayPal and happily accept any business going through their portal. Reviewed on: 6th May 2026

Having autism makes life extremely hard

Having autism makes life so difficult, being patient and kind is something I think people with disabilities need, especially when it comes to finance. It’s daunting and unnervey when your brain doesn’t know what is the best for you in that exact moment. I have a script before I reach out to PayPal as I need structural conversion Reviewed on: 6th May 2026

PayPal the best

PayPal truly became one of my best friend … I love it very flexible to pay in to my credit very easy and always there for me when I’m struggling Reviewed on: 6th May 2026

Excellent very happy with your response and service

Excellent very happy with your response and service Reviewed on: 6th 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

Very Account
from Shop Direct 4.35 from 27 reviews
Retail Finance
from Omni Capital Retail Finance 3.80 from 4 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 50542 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