Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181094 reviews)

View other PayPal products

4.73

Based on 181,094 reviews, last reviewed 3rd Aug 2026

93% increase in 5 star reviews

in the past 90 days

135% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

A little different than your average credit card Has been a great facility, overall cheaper than your average credit card Reviewed on: 3rd August 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd 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 (181094)

Very convenient to use, always there when needed.

Very convenient to use, always there when needed. Reviewed on: 24th April 2026

Always reliable and non complaints

Always reliable and non complaints Reviewed on: 24th April 2026

Prompt service after unknown transaction

Paypal always follow up any queries promptly and provide great customer service, ive to contact them after a unknown transaction which was dealt with promptly and the money that was taken out was reimbursed promptly Reviewed on: 24th April 2026

Is really safe easy for me to use

Is really safe easy for me to use Reviewed on: 24th April 2026

Easy transactions with secure transfers and knowledg...

Easy transactions with secure transfers and knowledge that you are covered Reviewed on: 24th April 2026

Never had any issues

Never had any issues, in many years of use Reviewed on: 24th April 2026

Bun de folosit

Este bun cand ești stramtorat, au perioada aia de gratie de 4 luni, care ajută mult Reviewed on: 24th April 2026

Great service easy to work with never a problem all...

Great service easy to work with never a problem all ways get the transaction sorted Reviewed on: 24th April 2026

I always use PayPal

I always use PayPal as it feels safe and secure. Recommend to my friends all the time. Reviewed on: 24th April 2026

PayPal Credit

PayPal Credit has been convenient financing option for me when shopping online. Especially because of the flexibility at checkout. The application process was quick, and the ability to spread payments over time has been genuinely helpful for managing larger purchases. The promotional offers—especially the interest‑free periods—are a strong advantage when used responsibly. That said, the interest rate outside promotional windows is quite high, so it’s important to stay organised and pay on time. Overall, it’s a solid tool for those who want accessible, short‑term credit built directly into their PayPal account. Reviewed on: 24th 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

Very Account
from Shop Direct 3.18 from 28 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews
Retail Finance
from Novuna Personal Finance 4.73 from 173 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101259 reviews
Payments
from PayPal 4.71 from 3855 reviews
Credit card
from PayPal 4.66 from 125 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