Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (107479 reviews)

View other PayPal products

4.90

Based on 107,479 reviews, last reviewed 15th May 2026

2612600% increase in 5 star reviews

in the past 90 days

7600% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Everything is very easy to deal with Everything is very easy to deal with Reviewed on: 15th May 2026

Latest lowest rating:

1

Watch out for hidden credit I bought a product from eBay with Paypal. The transaction was automatically put onto my PayPal credit balance that was previously at zero. I think it ... Read more Reviewed on: 14th 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 (107479)

Convenient, smart and suitable for today’s busy life

Convenient, smart and suitable for today’s busy life Reviewed on: 6th May 2026

I have been using paypal since then the last 2.

I have been using paypal since then the last 2.5 years now. It's been a fantastic experience. i am able to use my credit my card after saving it on paypal to buying somethings. I have also been able to take the money out of my credit cards, sometimes when I need it; and spen on urgent things. And also I feel a kind of safe and secured when I any transanction on paypal. I love it now. It's very convenient and fantastic service. And the process to do any transaction on paypal is quite simple too. It doesn't complicates my life. Recently, I also got accepted of a credit card from Papal on a 4 months interest free scheme which if I pay back that money within 4 months, I won't need to pay any interest on that loan. And this is very beautiful and adorable. I literally appreciate that. Reviewed on: 6th May 2026

Transparent, easy to set up and make extra payments

Transparent, easy to set up and easy to make extra payments on if you find you are able Reviewed on: 6th May 2026

PayPal Credit is handy

PayPal Credit is handy for spreading costs, and the interest-free period is genuinely useful. It works with many retailers, though the app interface can feel a bit clunky Reviewed on: 6th May 2026

I have been using long time PayPal, I very satisfied...

I have been using long time PayPal, I very satisfied with service, recommended for everyone. Reviewed on: 6th May 2026

Excellent service on the whole

Excellent service. Credit is very frustrating.; I bought an item on ebay and chose a payment plan over 18 months visa direct debit. I also took out 0% interest over 4 months for another purchase. I paid off £120 to what I thought was the 0% interest bill but it took it off the payment plan I'd set up. Really not happy about that. Very complicated and I have to call to pay off the one I want...... Very inconvenient! Reviewed on: 6th May 2026

safe, fair and good value

I found PayPal fair, very easy to use and rates for borrowing quite sensible. I trust them with security. The app is clear and easy to use and there are plenty of payment options to repay. There are lots of retailers that use PayPal as a payment or pay in three option and I also have the card which means I am able to use it anywhere else Reviewed on: 6th May 2026

Paypal credit is great and easy to use .

On the whole I’m really happy with my PayPal credit Experience. The PayPal app is easy to use. Reviewed on: 6th May 2026

simple and secure making payments easy

simple and secure making payments easy Reviewed on: 6th May 2026

I just love it!

I just love it! My favourite part is the pay in 4 months interest free if paid in full by the end of term. Very useful and practical product! Well done PayPal! 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

Retail Finance
from Novuna Personal Finance 4.77 from 172 reviews
Better Off Calculator
from Policy in Practice 4.78 from 494 reviews
Retail Finance
from Omni Capital Retail Finance 3.80 from 4 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.93 from 50984 reviews
Payments
from PayPal 4.91 from 3716 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