Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181101 reviews)

View other PayPal products

4.73

Based on 181,099 reviews, last reviewed 5th Aug 2026

62% increase in 5 star reviews

in the past 90 days

86% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I have been useing paypal for over 20 years now safe... I have been useing paypal for over 20 years now safest way to purchase online Reviewed on: 5th 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 (181101)

Excellent experience with PayPal

Excellent experience with PayPal Reviewed on: 24th April 2026

Efficient system

I’ve always valued PayPal and I love how easy it is to use and really reliable Reviewed on: 24th April 2026

Seamless financing

Pretty much seamless financing with multiple payment options when buying from online retailers to suit most needs with added buyer protection. Reviewed on: 24th April 2026

Excellent service and flexible when I need it.

Excellent service and flexible when I need it. Reviewed on: 24th April 2026

Handy for the week before payday

Handy for the week before payday Reviewed on: 24th April 2026

Helpful easy way to spend online

Helpful easy way to spend online and spread the cost. Whenever ive needed help custoner service has been great Reviewed on: 24th April 2026

PayPal is the best for international payment

PayPal has always been the best when it comes to international payment as no other services offer something so quick and easy to use. Reviewed on: 24th April 2026

Pay pal safe payment..

I feel safer using pay pal for online purchasers, happy with service. Statement could be made easier to understand. Reviewed on: 24th April 2026

Convenient for Short-Term, Risky if Mismanaged

PayPal Credit is a convenient option for spreading the cost of online purchases, especially with its short-term 0% interest offers and seamless checkout integration, but it comes with some important drawbacks. While it’s easy to use and widely accepted, the interest rates can become quite high after the promotional period ends, and the repayment structure requires discipline to avoid extra charges. Reviewed on: 24th April 2026

Simple and very easy to apply for PayPal Credit.

Simple and very easy to apply for PayPal Credit. Fast response and most importantly it is safe 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

Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Zebra Finance 4.08 from 6 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 101260 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