Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (110237 reviews)

View other PayPal products

4.90

Based on 110,237 reviews, last reviewed 19th May 2026

2738650% increase in 5 star reviews

in the past 90 days

8050% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Best online banking service Been using PayPal since inception and could not ask for a better online service! Reviewed on: 19th May 2026

Latest lowest rating:

1

Taking credit limits off of people pushing their acc... Taking credit limits off of people pushing their accounts into debt is disgraceful Reviewed on: 18th May 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 (110237)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

No problems so far.

No problems so far. I use it online when buying stuff so I have more protection if something goes wrong. Reviewed on: 7th May 2026

Paypal review

Brilliant, the app is easy to navigate and makes purchases more secure. Reviewed on: 7th May 2026

I get rest assured with PayPal.

I get rest assured with PayPal.Customer service always responds fast and ready to help. Reviewed on: 7th May 2026

In my view, PayPal fully deserves recognition.......

In my view, PayPal fully deserves recognition as Best Retail Finance Provider because it has delivered genuine, practical support to consumers and retailers during one of the most financially challenging periods in recent years. With households facing rising living costs, inflation and ongoing economic uncertainty, consumers have become far more cautious about how and when they spend. PayPal has responded to this environment by offering flexible, accessible and responsible payment solutions that help people manage their finances with greater confidence. Its Buy Now, Pay Later services in particular have allowed customers like me, to spread the cost of purchases in a manageable way, enabling them to continue buying essential items and everyday goods without turning to more expensive forms of credit. What stands out most is that PayPal’s impact goes beyond simply facilitating transactions. The company has helped maintain consumer confidence at a time when many retailers have struggled with reduced discretionary spending. By giving customers more flexibility at checkout through a trusted and familiar platform, PayPal has helped retailers improve conversion rates, increase basket sizes and retain customer loyalty in a highly competitive market. I also believe PayPal deserves recognition for balancing innovation with responsibility. In a climate where consumers are increasingly conscious of debt and financial security, PayPal has focused on transparent, user-friendly finance options supported by strong security and fraud protection. This has reinforced trust among both consumers and merchants at a time when trust is critical to sustaining retail activity. Ultimately, PayPal has played a significant role in supporting consumer, again like me, purchasing power and helping retailers navigate difficult trading conditions. Its ability to combine convenience, flexibility and financial responsibility has made a meaningful difference to both businesses and customers, making it a worthy winner of the Best Retail Finance Provider award. Reviewed on: 7th May 2026

Easy to use and access on line - the app...

Easy to use and access on line - the app works well Reviewed on: 7th May 2026

I was surprised to find costumers service very helpf...

I was surprised to find costumers service very helpful and they explained me with calm the things that was new for me Reviewed on: 7th May 2026

Convenient to use.

Convenient to use. Lots of payment types to use Reviewed on: 7th May 2026

I love that PayPal offer me flexible payment options...

I love that PayPal offer me flexible payment options and that they remind me when payments are due so I can keep on top of everything. Furthermore I like the rewards system and points that they have introduced to reward customers. Reviewed on: 7th May 2026

I’ve been using it since it first went live!

I’ve been using it since it first went live and love the clarity of it all. Knowing when things are no longer interest free and what needs paying makes a huge difference. Reviewed on: 7th May 2026

I’ve used PayPal for Instant purchases, interest fre...

I’ve used PayPal for Instant purchases, interest free pay in 3 and PayPal credit, very useful in many situations where needed, always available always reliable. Reviewed on: 7th May 2026

Alternative products

Retail Finance
from Omni Capital Retail Finance 3.80 from 4 reviews
Loan
from Snap Finance 4.90 from 369 reviews
Retail Finance
from Close Brothers 2.53 from 12 reviews

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