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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)

First class

Ease of use makes it my number 1 choice of payments Reviewed on: 13th May 2024

Good payment options!!

Have used PayPal for many years, some good features and options for purchasing Reviewed on: 13th May 2024

Excellent

0% interest over £99 for 4 months on most websites. Amazing Reviewed on: 13th May 2024

Good service, helpful customer service.

Good service, helpful customer service. Reviewed on: 13th May 2024

Credit should be longer

I think the credit should be longer than 4 months as I use very and there credit is 12 months interest free when I want to buy a more expensive item Reviewed on: 13th May 2024

Service is intuitive

I have never had need to contact customer services, hence neutral score. However the service has been so intuitive that there has been no requirement for intervention. Reviewed on: 13th May 2024

very fast decision very handy and good interest rate

very fast decision very handy and good interest rate Reviewed on: 13th May 2024

I’ve never had a issue with them and the great thing...

I’ve never had a issue with them and the great things u can pick up for less then the shops Reviewed on: 13th May 2024

If I do have a problem pay pal are quick and efficie...

If I do have a problem pay pal are quick and efficient to solve it Reviewed on: 13th May 2024

Paypal is 5 star

Paypal is 5 star purchases over £99 and pay in 4 months time without interest. And very easy and secured. Also those very friendly and helpful customer service Reviewed on: 13th May 2024

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