Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (177647 reviews)

View other PayPal products

4.73

Based on 177,405 reviews, last reviewed 12th Jul 2026

1211% increase in 5 star reviews

in the past 90 days

994% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great money service Never had any problems , very easy quick way to send, receive or transfer money. Reviewed on: 12th July 2026

Latest lowest rating:

1

Paypale is not like old paypal anymore. Paypale is not like old paypal anymore. They never refund me for scams or protect me against any fraud like it used to do Reviewed on: 12th July 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 (177668)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Very handy to spread the cost feels like it can be p...

Very handy to spread the cost feels like it can be paid back with ease Reviewed on: 8th July 2026

PayPal : Reliable and Secure, but Mind the Fees.

PayPal remains one of the best and safest ways to pay online, though it comes with a few trade-offs. The Pros: Excellent Security: You never have to share your card details with websites. Buyer Protection: If an order goes wrong or doesn't arrive, PayPal helps you get your money back. Convenience: Checkout is incredibly fast, and sending money to friends is instant and free. The Cons: High Fees: If you use it to receive business payments or sell items, the transaction fees are steep. Poor Exchange Rates: Currency conversion rates are noticeably lower than the market average, making international shopping more expensive. Verdict: While it isn't the cheapest option for currency exchange or sellers, the peace of mind and security it provides for everyday online shopping make it completely worth it. Highly recommended. Reviewed on: 8th July 2026

Accessible and Handy

So far, it's been an accessible and handy service. It's a great alternative to other credit cards, and the rates are reasonable. The notifications are speedy, and the statement is easy to access. I also enjoy the option of having a physical card. Reviewed on: 8th July 2026

PayPal easy pay

All ways easy to make payments with PayPal. Reviewed on: 8th July 2026

I just like it. Simple

I just like it. It's very simple to use and convenient Reviewed on: 8th July 2026

PayPal makes buying things and paying friends online...

PayPal makes buying things and paying friends online very fast and simple.The app is safe and keeps your money protected. You can link your bank card easily to start shopping right away. Reviewed on: 8th July 2026

Flexible borrowing

I find PayPal easy to use when shopping online, particularly as all my details are copied/used for delivery information. Pay in 3 is a great option that I’ve used on many occasions and PayPal credit has enabled me to treat myself to products that I might not otherwise have been able to afford. Reviewed on: 8th July 2026

Very fast, very efficient and helpful.

Very fast, very efficient and helpful. Also all my information in one place, easy to understand and observe using the site. Reviewed on: 8th July 2026

Great Experience

I had a great experience with oaypal It lets me manage my money while paying out towards expensive things with there pay in 3 option and credit as well.Great Service. Reviewed on: 8th July 2026

PayPal helped me more than ever!

PayPal credit helped me go to festivals, pay for furniture for my rented room, and even help me get home a couple of times too! Very convenient when I needed them thank you! Reviewed on: 8th July 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 3.18 from 28 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews
Loan
from Snap Finance 4.82 from 370 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 98722 reviews
Payments
from PayPal 4.71 from 3848 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