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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181155 reviews)

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4.73

Based on 181,155 reviews, last reviewed 5th Oct 2026

75% decrease in 5 star reviews

in the past 90 days

73% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

been useing paypal for years and years been useing paypal for years and years Reviewed on: 5th October 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 (181155)

So easy to use and easy to speak to someone if there...

So easy to use and easy to speak to someone if there's an issue. I feel safer using PayPal online and now in store with the debit card Reviewed on: 15th April 2026

Any issues are dealt promptly and efficiently.

Any issues are dealt promptly and efficiently. Reviewed on: 15th April 2026

I have been with Paypal since 3 years now.

I have been with Paypal since 3 years now. It gave me a chance to feel freedom to have luxury and yet paying in chunks. I Reviewed on: 15th April 2026

Easy to use and PayPal is always there when you need...

Easy to use and PayPal is always there when you need them Reviewed on: 15th April 2026

Fast and easy

Easy to set up online. Quick and easy to make regular payments and keep on top of whats been paid. Reviewed on: 15th April 2026

Very reliable payment system and safe and very fast...

Very reliable payment system and safe and very fast transaction Reviewed on: 15th April 2026

It is helpful to make payments online, makes it quic...

It is helpful to make payments online, makes it quicker and easier. As long as I have my login details, I don't need to look for my card details as they are already saved. Reviewed on: 15th April 2026

PayPal to manage money

I use PayPal to manage my money to pay for goods, I make sure I don’t have to pay any interest or charges, it’s very useful. Reviewed on: 15th April 2026

0% interest over 12 months?

0% interest over 12 months? No brainer really. I've had it for a while now and it does come in handy, especially as now there are even more sites that are capable of using it as well. Reviewed on: 15th April 2026

Used Paypal for 8 years, and see no alternative.

I had been a user of Paypal for a few years before I applied for credit. It was just to buy a new oven I think. The lack of interest for a few months on expensive purchases was a godsend and I've never felt particularly pressured or harassed by them regarding repayment. All the information you need to know is easy to see and access and the overall lack of obfuscation is one of its big advantages (I've seen ) over alternatives. Paypal's versatile and pretty much accepted anywhere plus the options you have when it comes to how/when you spend your money is much appreciated. When I've needed a shop or indulgence (such as a really expensive gaming PC I got myself for my birthday last year) it came in clutch. Would heartily recommend Paypal/Paypal credit to people. Reviewed on: 15th April 2026

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