Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (175919 reviews)

View other PayPal products

4.73

Based on 175,893 reviews, last reviewed 10th Jul 2026

1298% increase in 5 star reviews

in the past 90 days

1240% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal is good and reliable and they act as professi... PayPal is good and reliable and they act as professionals they also serve customers in excellence and always standby to help in-terms of difficulty an... Read more Reviewed on: 10th July 2026

Latest lowest rating:

1

Shockingly bad..but they get away with it I have had reason to complain to the Financial Ombudsman regarding this company. Their attitude is we won't follow instructions and when things go wro... Read more Reviewed on: 10th July 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 (175924)

Quick safe transactions

Easy to use with quick safe transactions and the ability to spread your spend over three payments for free. Reviewed on: 23rd April 2026

Never a bother

Easy access short term finance for treating people to nice things Reviewed on: 23rd April 2026

I always feel safe using PayPal.

I always feel safe using PayPal. Everything is smooth and seamless, and even when I’ve had issues with certain transactions or accounts, they’ve handled them quickly and fairly. It really feels like they prioritize their customers. I use PayPal all the time to send money and I’ve never had a bad experience — super reliable. Top service. Reviewed on: 23rd April 2026

All I could ask for

Every purchase I’ve made has been hassle free and fast couldn’t ask for more and on the very rare occasion where there’s a problem it’s sorted without issue and within minutes!! Reviewed on: 23rd April 2026

I use PayPal for many things.

I use PayPal for many things. I really like their credit feature. I have been using this feature specially for booking my flight tickets which is very convenient. Only con side is their exchange rate is not the best as they charge around 4% transaction charges which is really a big bite. Reviewed on: 23rd April 2026

Easy to both purchase, manage my finance and provide...

Easy to both purchase, manage my finance and provide financial options Reviewed on: 23rd April 2026

I feel secure using PayPal as my main source of paym...

I feel secure using PayPal as my main source of payment. The new points system for using the card is a great incentive as well Reviewed on: 23rd April 2026

friendly features built in the PayPal app, it’s easy...

friendly features built in the PayPal app, it’s easy to use. Reviewed on: 23rd April 2026

Never had problem with anything, good experience wi...

Never had problem with anything, good experience witch costumer service. Reviewed on: 23rd April 2026

Very quick and simple to set up.

Very quick and simple to set up. Easy to manage an make payments as and when or set up a payment plan and it does the rest for me Reviewed on: 23rd April 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 V12 Retail Finance 4.44 from 25 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 97567 reviews
Payments
from PayPal 4.71 from 3845 reviews
Credit card
from PayPal 4.70 from 121 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