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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)

Great experience while’s getting loan

Great experience while’s getting loan Reviewed on: 15th April 2026

I’ve had a positive experience with PayPal Credit.

I’ve had a positive experience with PayPal Credit. The interest-free offers on larger purchases are really helpful for managing my budget. It’s been a reliable way to pay for bigger items over time without any hidden fees or hassle Reviewed on: 15th April 2026

I've used them for years without the flexibility of...

I've used them for years without the flexibility of PayPal with my limited income id not be able to buy much Reviewed on: 15th April 2026

PayPal is very easy to use and to navigate, the cust...

PayPal is very easy to use and to navigate, the customer service is second to none and they will always go the extra mile to help you should you need it. Reviewed on: 15th April 2026

PayPal It’s easy to use

It’s easy to use, has everything in one place and you can manage subscriptions all in one place Reviewed on: 15th April 2026

Great way for shopping online and in shops, secure a...

Great way for shopping online and in shops, secure and easy to use for contact less shopping. With new PayPal+ earning cashback is easier and rewarding. The more shopping you use PayPal more you earn. Reviewed on: 15th April 2026

Customer service always ready to go above and beyond...

Customer service always ready to go above and beyond, listening and being patient and respectful Reviewed on: 15th April 2026

Good but needs improvement

I really like paypal credit, however on more than one occasion my direct debit has stopped for no apparent reason leaving my with a 12pound fine for late payment and when you ring its an automated service that doesn't put you through to anyone to speak to Reviewed on: 15th April 2026

Paypal is always helpful.

Paypal is always helpful. Customer service always nice and polite. No fault with their services Reviewed on: 15th April 2026

Good experience

Good experience, Thanks guys .... Reviewed on: 15th April 2026

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