Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (108389 reviews)

View other PayPal products

4.90

Based on 108,389 reviews, last reviewed 16th May 2026

2653600% increase in 5 star reviews

in the past 90 days

7700% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Easy to use, clear format. Easy to use, clear format. Would be beneficial to have more functionality in the app as on the full website Reviewed on: 16th May 2026

Latest lowest rating:

1

Terrible app interaction Terrible app interaction not for me Reviewed on: 16th 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 (108389)

Great Service

They are always happy to help when i have a dispute Reviewed on: 6th May 2026

Great service, never any problems

Great service, never any problems Reviewed on: 6th May 2026

Smooth, Reliable, and Convenient Credit Option

I’ve had an excellent experience using PayPal Credit. The application process was quick and straightforward, and I was approved almost instantly. It’s been incredibly convenient for making purchases online, especially with the flexibility to pay over time. The interface is easy to use, and I always know exactly what I owe and when payments are due. I also appreciate the promotional financing options, which have helped me manage larger purchases without stress. Overall, it’s a reliable and user-friendly credit option that I’d highly recommend to anyone who shops online regularly. Reviewed on: 6th May 2026

Trust the Process

I had a fraud issue which was sorted out. Thieves stole my phone and tried to make some purchases, the purchases came through to my email and I had the chance to reject the transaction and state why I was rejecting the transaction, those transactions and almost straight away, were refunded back to my account. Spoke with customer services, the fraud team and was provided the opportunity to explain the circumstances, provided some evidence and assistance and monies were returned. Reviewed on: 6th May 2026

PayPal Credit

Excellent I’ve used a couple of times , they send you an email well in advance when your payment is due and you can pay minimum amount or whatever what you want to pay Reviewed on: 6th May 2026

PayPal is the best credit card you don't need to pa...

PayPal is the best credit card you don't need to pay interest plus you could have a more time to paid off your debt. Reviewed on: 6th May 2026

A Smooth and Flexible Way to Pay

PayPal Credit has been a surprisingly handy tool for managing online purchases. The application process is quick, and once approved, it integrates seamlessly with your existing PayPal account. I really appreciate the flexibility it offers—especially the option to spread out payments when needed. The promotional financing deals can be genuinely useful, and the interface makes it easy to track spending and due dates. Overall, it’s a convenient, reliable way to keep purchases organised while giving yourself a bit of breathing room. Reviewed on: 6th May 2026

Thoroughly recommend

Always found PayPal an excellent way of paying for goods,great service and informative at all times Reviewed on: 6th May 2026

It’s very easy to use and safe and secure

It’s very easy to use and safe and secure Reviewed on: 6th May 2026

PayPal Credit is simple, convenient, and easy to use.

PayPal Credit is simple, convenient, and easy to use. The application is fast, and it integrates seamlessly with PayPal, making checkout smooth. The 0% interest offers are great for spreading costs, as long as you pay on time. Overall, a reliable and flexible option for online shopping. 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 Omni Capital Retail Finance 3.80 from 4 reviews
Loan
from Snap Finance 4.89 from 369 reviews
Payments
from PayPal 4.91 from 3717 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.93 from 51350 reviews
Payments
from PayPal 4.91 from 3717 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