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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)

The best payment app out there.

The best payment app out there. It has everything Reviewed on: 15th April 2026

I like the option to pay over 3 months if it’s over...

I like the option to pay over 3 months if it’s over £100. Reviewed on: 15th April 2026

Had an issue with an AI provider.

Had an issue with an AI provider. There product is faulty but because I’d reported it at a later date then I wasn’t issued a refund. Reviewed on: 15th April 2026

Took out 0% and extra credit was available which was...

Took out 0% and extra credit was available which was really handy Reviewed on: 15th April 2026

Been with PayPal for years now safe transactions and...

Been with PayPal for years now safe transactions and never had an issue Reviewed on: 15th April 2026

Always paid on time or ahead of time found it great...

Always paid on time or ahead of time found it great value for this type of spending behaviour Haven't used for a while but would use again if I needed to Reviewed on: 15th April 2026

Very easy to use and great benefits

Very easy to use and great benefits Reviewed on: 15th April 2026

PayPal credit is great to use.

PayPal credit is great to use. Easy to setup and has given me no issues. Reviewed on: 15th April 2026

Recently had an issue with a retailer for non deli e...

Recently had an issue with a retailer for non deli eyes goods, customer agent cleared up my issue in 1 call Reviewed on: 15th April 2026

Best of best

I am very happy to have PayPal credit service Reviewed on: 15th April 2026

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