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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)

Been with PayPal for many years and never had an issue.

Been with PayPal for many years and never had an issue. Best service provider Reviewed on: 15th May 2024

Views! Never had a problem with PayPal Credit.

Never had a problem with PayPal Credit. Easy to apply, use and keep track of. Reviewed on: 15th May 2024

I have used PayPal credit for years and love how eas...

I have used PayPal credit for years and love how easy the PayPal checkout option is on many vendors. Reviewed on: 15th May 2024

PayPal are the best bank app ever,always secure and...

PayPal are the best bank app ever,always secure and never an issue Reviewed on: 15th May 2024

PayPal credit has helped me when I didn’t have the m...

PayPal credit has helped me when I didn’t have the money to buy something I need/want and the interest rate is great so I’ve been using it a lot recently. It’s very handy to use at checkouts with no hassle and you can set up direct debit payments into it so you never forget to pay back monthly. Reviewed on: 15th May 2024

Superb customer support in a difficult time!

A fairly transparent company, they let me know of changes and if I need further clarification they are usually easy to reach on the phone. Their customer support is where they really shine, I’ve never had an interaction with the support team that hasn’t reassured me and informed me of service changes. While I’d recommend staying away from getting into credit for lots of reasons, at least I feel can say the team at PayPal credit will help and explain to the best of their abilities. Reviewed on: 15th May 2024

I love PayPal - easy to use and super secure.

I love PayPal - easy to use and super secure. A flexible way to pay for big purchases that are heavy on your wallet. I was able to book my holidays and spread the cost of the flights through a few months which makes it extremely convenient for me. I will use it for more purchases in the future! Reviewed on: 15th May 2024

Using PayPal is easy and convenient.

Using PayPal is easy and convenient. I love the added protection, feel safe using them for my transactions. Credit is interest free for 4 months which is beneficial. Now that you can use Curve to pay inshore they have really stepped up a level. Would highly recommend!! Reviewed on: 15th May 2024

Accurate, useful, secure and reliable information pl...

Accurate, useful, secure and reliable information plus great customer service Reviewed on: 15th May 2024

PayPal Credit for the win

I've used PayPal credit for a few years now and it is super handy for online purchases. Especially with the different types of credit ie pay in 3 chunks, 4 months interest free, fixed term financing and standard credit. The app makes it super easy to manage as well. Reviewed on: 15th May 2024

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