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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

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4.73

Based on 181,154 reviews, last reviewed 29th Sep 2026

65% decrease in 5 star reviews

in the past 90 days

53% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Best Customer service Best Customer service, and great value. Reviewed on: 29th September 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

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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.

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Awards

Best retail finance provider 2026

Awarded to the retail finance provider rated highest in customer reviews.
Best credit app 2026

Awarded to the credit union rated highest in customer reviews for their app

PayPal PayPal Credit reviews (181154)

All round 5 star rating

PayPal offered me PayPal credit and finance options, which was easy to apply for and had a great variable offer rate. It’s easy to pay and can be utilised online and they offer the option of a card too. I was refused by other lenders and offered a great no hassle deal with PayPal. Reviewed on: 15th April 2026

Excellent service and flexible payments

Excellent service and flexible payments Reviewed on: 15th April 2026

Safe and secure shopping online

I feel safe when shopping online and receiving returns/refunds. Excellent customer service and confidence. Reviewed on: 15th April 2026

Longtime customer

I have used PayPal for many years and I have never had any problems Reviewed on: 15th April 2026

Flexibility of using PayPal

I can pay off as much as I want each month, and the system understand which debt itis covering off. Plus I can delay payments for three months interest free Reviewed on: 15th April 2026

I’m happy.

I’m happy. I recommended PayPal credit Reviewed on: 15th April 2026

Paypal is awsoe nice and easy transactions

Paypal is awsome nice and easy transactions Reviewed on: 15th April 2026

Very reliable

PayPal is very reliable when paying for goods, services and they help you to get your money back from merchants. But they have me stuck at £500 for the past couple of years even though I paid on time always Reviewed on: 15th April 2026

Use PayPal where and when I can always.

Use PayPal where and when I can always. So many benefits and ways to pay for things you love. Reviewed on: 15th April 2026

Easy to use very efficient.

Easy to use very efficient. Quick and easy check out. Reviewed on: 15th April 2026

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