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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)

Use PayPal credit quite often never had any issues.

Use PayPal credit quite often never had any issues. Few times had to open a claim and PayPal have always resolved the issues swiftly Reviewed on: 15th May 2024

I have found that Paypal credit has given me a helpi...

I have found that Paypal credit has given me a helping hand when nothing else has. It has a large limit but constantly notifies me what I owe so that I am not charged interest. Its fabulous when shopping online around christmas/tighter months of the year! Reviewed on: 15th May 2024

Excellent.

Excellent. I originally applied as I had had a bad experience elsewhere but PayPal make it so easy to apply and so easy to pay what you need to. No fuss no messing about it’s just so easy to do using the app. Reviewed on: 15th May 2024

Enjoying life more thanks to PayPal credit

I’ve been using PayPal credit and paypal pay in three for a while now and have always been happy with the service. I find it really useful for making bigger purchases or purchases like gig tickets that I don’t budget for on a monthly basis. Using PayPal credit has opened up opportunities for me to experience new things like seeing artists and musicals. Reviewed on: 15th May 2024

Everything is so great!

Everything is so great! So quick and smooth. Reviewed on: 15th May 2024

Fast and easy to deal with.

Fast and easy to deal with. Irish based so easy to communicate Reviewed on: 15th May 2024

Very good service

Great experience I am very happy with the service Reviewed on: 15th May 2024

Siime and easy to use! Can't fault it.

Simple and easy to use - all done via the app and connected to your regular PayPal account. Good amount of promotional offers which are clear and easy to understand the t and cs Reviewed on: 15th May 2024

When I needed a loan it was fast to get...

When I needed a loan it was fast to get one Reviewed on: 15th May 2024

used for 10 years or more never had a problem it jus...

used for 10 years or more never had a problem it just works great easy flexible payment schemes all accessible on app easy and quick my preferred choice of consumer credit Reviewed on: 15th May 2024

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