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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

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4.73

Based on 181,154 reviews, last reviewed 29th Sep 2026

65% decrease in 5 star reviews

in the past 90 days

53% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Best Customer service Best Customer service, and great value. Reviewed on: 29th September 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 (181154)

Very easy to use, good service, can pay for a lot of...

Very easy to use, good service, can pay for a lot of stuff and not have to pay all in one Reviewed on: 13th May 2024

Gives a sense of safety

We purchased an expensive camera from overseas on ebay just before the pandemic. Months passed by, and nothing arrived, even though the seller insisted on that they had sent the camera. When we gave up hope, we contacted PayPal, and won the dispute in the end. It was a huge relief, as such big amount would've cut a large hole on our finances. We liked PayPal before that incident, but it strengthened our trust since this even more. Reviewed on: 13th May 2024

I have been using PayPal Credit for many years now,...

I have been using PayPal Credit for many years now, never had any issues and I can always call them anytime if I have any questions & they regularly update your credit limit to thank you for being loyal customers. Reviewed on: 13th May 2024

Easy to do

I love thé fact I can use PayPal credit for a range of things and it doesn’t need lots of info or forms filled in . Easy to do Reviewed on: 13th May 2024

Love the control it gives me!

Used it to buy a holiday at first with a strict budget plan for paying it back. Absolutely loved the ease of use, just went on my paypal ap and could make a payment very easily. Loved seeing the amount come down and have used this service again since. I don’t usually like doing anything with credit but i love this as it gives me so much control. Reviewed on: 13th May 2024

Good service and excellent

Good service and excellent service Reviewed on: 13th May 2024

I enjoy it!

I enjoy it! Easy to use and easy to contact. I only wish there was a chat funcktion in the app Reviewed on: 13th May 2024

Wrote off my £12 late payment fee, very grateful

Wrote off my £12 late payment fee, very grateful Reviewed on: 13th May 2024

Good will recommend.

Good will recommend. Very convenient. Reviewed on: 13th May 2024

Love PayPal so easy to use.

Love PayPal so easy to use. If is head and shoulders about any other credit app Reviewed on: 13th May 2024

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