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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)

Paypal credit makes it possible for me to buy what I...

Paypal credit makes it possible for me to buy what I really need that I wouldn't have been able to afford ordinarily. I found it useful and helpful when I had my 60th birthday and son's wedding ceremonies within 3 months. The ease of paying back, different options too is fantastic Reviewed on: 15th April 2026

Best payment app

I’m really happy easy to use and I’m very confident to use and I share my experience with my friends Reviewed on: 15th April 2026

Very very handy as purchases get spread out over time

Very very handy as purchases get spread out over time Reviewed on: 15th April 2026

Cant fault it.

Cant fault it. Clear and concise. Highly recommend. Reviewed on: 15th April 2026

I love PayPal credit simple ans easy to use

I love PayPal credit simple ans easy to use Reviewed on: 15th April 2026

Easy Peasy

Always a simple eady transaction without drama. Reviewed on: 15th April 2026

Great experience amazing service

Great experience amazing service Reviewed on: 15th April 2026

Is easy to pay, safe, to use.

Is easy to pay, safe, to use. I am using to by goods. Reviewed on: 15th April 2026

Amazing service, great app, very intuitive

Amazing service, great app, very intuitive Reviewed on: 15th April 2026

PayPal has basically had a proper glow-up.

PayPal has basically had a proper glow-up. It’s gone from being that slightly clunky “do I trust this?” website to the financial equivalent of a reliable mate who always spots you when you’re short. Sending money is ridiculously easy now. No awkward “what’s your sort code again?” conversations—just tap a name in your contacts and boom, done. Ideal for splitting bills, paying someone back, or that moment you realise you definitely still owe your friend from three weekends ago. It’s not just for personal stuff either—it’s solid for business. You see the PayPal option at checkout and instantly feel a bit safer, like “yeah alright, I trust this.” Plus, you can actually keep track of subscriptions and cancel them without going on a full detective mission, which is a win in itself. They’ve also added things like paying over time and cashback, which makes you feel slightly less guilty about impulse buys. Slightly. Security-wise, it’s a bit of a comfort blanket. If you’re buying from some random small website at 11pm, PayPal makes it feel less like a gamble. And now there’s even a physical card, which is handy when you want that extra layer between your bank account and the unknown corners of the internet (or that one questionable shop abroad). And if something does go wrong, their resolution centre is actually useful. Not “shout into the void” customer service—more like “okay, a real solution might happen here.” All in all, PayPal’s grown up nicely. Easy to use, surprisingly flexible, and just makes dealing with money feel a bit less painful—and occasionally even a bit clever. Reviewed on: 15th April 2026

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