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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)

Easy to use and access.

Easy to use and access. Best for spreading payment. Reviewed on: 15th May 2024

A very good service, but the time taken for payments...

A very good service, but the time taken for payments to process and show on the app are too long Reviewed on: 15th May 2024

Always a very positive experience using PayPal credit!

Always a very positive experience using PayPal credit! Reviewed on: 15th May 2024

When this was introduced things were abit all over t...

When this was introduced things were abit all over the place but now it’s been sorted I’m very happy with the service Reviewed on: 15th May 2024

Great service.

Great service. As well as affordable payments plan when buying good via PayPal credot Reviewed on: 15th May 2024

PayPal credit experience

I’ve never really had a problem with PayPal credit. It’s really handy for when I want to buy something on Ebay and am allowed to pay by instalments. Linking to my Curve card means I can also use PayPal credit on the go in an emergency. It’s definitely becoming more mainstream and any time interest rates are fair. The only quibble I have is that it can take a long time if you need to phone customer services to check something. Reviewed on: 15th May 2024

Easy fast and affordable cannot complain

Easy fast and affordable cannot complain Reviewed on: 15th May 2024

It’s so helpful when I’m inbetween pay checks and al...

It’s so helpful when I’m inbetween pay checks and also for paying of bigger purchases Reviewed on: 15th May 2024

No worry transactions....

I've used PayPal for many years. Over that time there have been a few issues with goods bought but not arriving and the odd attempted scam. Each and everytime the situation was resolved by PayPal staff in a timely manner. Remember, nobody or company are perfect but using PayPal has been a breeze. Reviewed on: 15th May 2024

Love PayPal

Great to use when buying Quick easy to use Reviewed on: 15th May 2024

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