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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)

Needed to pay for a car part which was expensive got...

Needed to pay for a car part which was expensive got PayPal credit and paid over 3 excellent Reviewed on: 15th May 2024

Helpful short-term borrowing

PayPal credit has been very helpful in a difficult period of my life financially, also amazing that there are an increasing number of places to use PayPal credit. Reviewed on: 15th May 2024

Good experience, fuss free 0% borrowing

Good experience, fuss free 0% borrowing Reviewed on: 15th May 2024

Been using PayPal for years now.

Been using PayPal for years now. Very happy with them. So easy and convenient to use and also very secure and safe which is most important. Recommend to friends and family to use too. Reviewed on: 15th May 2024

Been a life saver help to pay for my wedding...

Been a life saver help to pay for my wedding Reviewed on: 15th May 2024

Never had a bad experience.

Never had a bad experience. Can’t really complain! Reviewed on: 15th May 2024

I mean who hasn't heard of PayPal?

Their app is easy to use and their customer service is 10/10. Reviewed on: 15th May 2024

Number ONE

Wide spread hustle free finance provider. Reviewed on: 15th May 2024

Always felt assured

Always assured they are aware of what is happening in the background, when I had an issue with a department, I called them and they assured me they knew what was happening, they explained everything to me what was happening what would happen and what the department may do. They then explained what they would do if the issue wasn’t dealt with in an agreed time period, and I was refunded a long time before the department even thought about doing anything. I was extremely pleased with the way things were dealt with and the speed. Reviewed on: 15th May 2024

PayPal credit review

PayPal Credit had been very helpful to me. The fact that I can purchase items over £100 and be able to spread this payment over 4 months without interest on it is an absolute Reviewed on: 15th May 2024

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