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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)

Comfort and Security

Its amazing how easy it is to use PayPal in so many different places and its really secured as well. Reviewed on: 14th May 2024

Easy and safe to use

I am with PayPal for over a decade and find it easy and safe to use when shopping online, booking flights and sending money to friends and family. PayPal Credit and Pay in 3 are very handy to have. Paying for something in a different currency vis PayPal would not probably my first choice though. Reviewed on: 14th May 2024

Fantastic, used for years and now was pre approved f...

Fantastic, used for years and now was pre approved for credit with them, couldn’t be easier. High limit, easy instructions of when to pay back and lots of options for 0% interest for a few months. Reviewed on: 14th May 2024

Saved me on several occasions.

Saved me on several occasions. I always know I have it to bounce back on should I need something urgently and not have enough money to pay for it that particular month. It’s really easy to use and I would recommend it to everyone. Reviewed on: 14th May 2024

Streamlined.

Use PayPal for lots. Easy. Streamlined.. Reviewed on: 14th May 2024

PayPal Credit is a convenient financial tool

PayPal Credit is a convenient financial tool, offering flexible payment options. Reviewed on: 14th May 2024

User friendly, Best Value, Highly Recommend

User friendly, Best Value, Highly Recommend Reviewed on: 14th May 2024

It foes what it says on the tin

So far it’s positive they are attentive to my queries Reviewed on: 14th May 2024

Clear terms

I got the credit used it ,it was easy to pay back ,very clear instructions Reviewed on: 14th May 2024

Always been brilliant.

Always been brilliant. Would be lost without PayPal Credit! Reviewed on: 14th May 2024

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