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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.

Easy to use. Easy to pay off smaller amounts when you can. Reviewed on: 14th May 2024

Great service, trouble free

Used several times to get 0% finance for some purchases. Faultless Reviewed on: 14th May 2024

Peace of mind and value for money

PayPal credit does give value for money and peace of mind for purchases over 100 pounds. This is because you automatically receive four months credit. However, the statements can be a little bit confusing. Recently, after making payment to cover my statement value, I received a call from PayPal chasing the same value of money. There was no explanation and the provider was quite rude. Reviewed on: 14th May 2024

Pays to use PayPal

Just found the app really easy to use and consumer friendly Reviewed on: 14th May 2024

Quick Authentication and security

I have always got my authentication done quickly and able to pay for my items quickly and securely Reviewed on: 14th May 2024

Using paypal for years and it’s always been good for...

Using paypal for years and it’s always been good for payment Reviewed on: 14th May 2024

100% recommend

Absolutely easy to use and very beneficial when you haven’t for the money to order items etc Reviewed on: 14th May 2024

The introduction of compound interest is not fair co...

The introduction of compound interest is not fair considering normal interest is already being paid at a higher rate anyway. Reviewed on: 14th May 2024

I just find it easy and feel its safer to...

I just find it easy and feel its safer to use Reviewed on: 14th May 2024

Using Paypal Credit for years now, never had issues.

Using Paypal Credit for years now, never had issues. Reviewed on: 14th May 2024

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