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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)

Excellent service

Excellent service and very easy to use and getting things sorted is all way fast and easy to do Reviewed on: 13th May 2024

convenient for any online purchases.

Paypal makes a easy way for online purchases and credid system it is just perfect for instalments with no fees, love it! Reviewed on: 13th May 2024

Easy and convenient, with a lovely team to support

Easy and convenient, with a lovely team to support Reviewed on: 13th May 2024

Easy process, quick fast and effective.

Easy process, quick fast and effective. Service has been great. Reviewed on: 13th May 2024

Good experience and easy to use.

Good experience and easy to use. Reviewed on: 13th May 2024

Paypal credit - my good friend!

Paypal credit has come to my rescue on numerous occasions now and the interest free promotions are a great perk. Don't know how I would have managed without it. Would recommend it. Interest is average for this service if not paying in full. Reviewed on: 13th May 2024

Im glad to have PayPal credit although you can’t use...

Im glad to have PayPal credit although you can’t use it to make transactions via face to face it’s very useful as it helped me overcome some of my debt problems I’m really glad I got the opportunity to gain £800 in credit it really helped me out the customer service was really supportive in helping me figure out how to pay of the credit from direct debit also it’s really beneficial as they gave me 4 months interest free on my credit which helped me to be stress free and give me time to pay of my credit. Besides all the negative reviews on pay pal credit this credit is definitely the best as the company supported me as much as they can and still till this day I hope to pay of my credit without any problems. Also PayPal credit is not like other credit cards they are accepted by mostly every online store/app which really helps due to the fact that they allow you to also pay in installments to help you out if your not able to afford the full price which makes the companies credit the best in my opinion so thank you PayPal credit for supporting me and I wish to continue to keep being on of your customers :) Reviewed on: 13th May 2024

It helps me quite a lot and when I do not have money...

It helps me quite a lot and when I do not have money it helps me to shop online Reviewed on: 13th May 2024

Easy to apply for

Easy to apply for and get the credit straight away Reviewed on: 13th May 2024

Easy to use and always there.

Easy to use and always there. My go to way of paying, especially good in combination with my chase account Reviewed on: 13th May 2024

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