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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)

All good to use.

All good to use. Effective for money management. Great to help build credit. Reviewed on: 13th May 2024

Clear and easy information.

Clear and easy information. Good communication. Never had an issue with the app or when having to make contact. It is my default payment method. Reviewed on: 13th May 2024

Great easy to use and reliable, 0% credit is also ve...

Great easy to use and reliable, 0% credit is also very useful Reviewed on: 13th May 2024

I use PayPal credit for most of my online payments.

I use PayPal credit for most of my online payments. The credit facility is easy to use. The PayPal and credit app enables you to easily access your account balance and also enables you to repay your balances. When having disputes over payments and refunds, the PayPal team are very fast responsive. I would recommend their services to anyone. Reviewed on: 13th May 2024

PayPal credit is such an amazing option that’s helpe...

PayPal credit is such an amazing option that’s helped through good and bad times, whether the items I bought was for pleasure or need. Reviewed on: 13th May 2024

Always had a good experience using PayPal credit

Always had a good experience using PayPal credit Reviewed on: 13th May 2024

Use PayPal credit for all large purchases.

Use pp credit for all large purchases. Helps to make things more manageable without paying more. Easy to use and clearly shows terms in app. Reviewed on: 13th May 2024

Got me through a rough time and easy to set up for r...

Got me through a rough time and easy to set up for repayment Reviewed on: 13th May 2024

Mostly positive

Mostly positive but a little unclear sometimes how the 0% interest period works Reviewed on: 13th May 2024

PayPal credit - renewable 0% credit - what not to like?

PayPal credit - renewable 0% credit - what not to like? It’s well facilitated, automated and extremely clear so as long as you manage your money smartly - it can be used for larger purchases such as house renovations or holidays. We have been using it for nearly a year now and have no issues nor regrets. Reviewed on: 13th May 2024

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