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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 simple

Excellent anywhere everywhere feel more secured do deal with Reviewed on: 13th May 2024

Very convenient and useful when no money available o...

Very convenient and useful when no money available on hand Reviewed on: 13th May 2024

Great 0% interest option

Their 0% interest if paid within 4 months is a great offer, although it could be clearer how to pay off these individual amounts within the website/app as well as any interest incurred. Reviewed on: 13th May 2024

Convenient and flexible

All my experiences with PayPal are excellent and it's the same when it comes to PayPal Credit. It's convenient to have it as additional funding source in your account and is very useful if you want to pay later or spread the cost and pay it off flexible. Reviewed on: 13th May 2024

Learned to manage good credit and spending habits!

PayPal credit has helped me develop good money spending habits, learning how to manage credit and easy to make extra payments to enable more purchases without building debts! Brilliant! Reviewed on: 13th May 2024

A veritable lifesaver.

PayPal has been a lifesaver when needing to rapidly send money to family from offshore. The ease of use and security in transactions has also provided some terrific reassurance with purchases I have made. Reviewed on: 13th May 2024

I’ve always have great service , quick and efficient.

I’ve always have great service , quick and efficient. My only issue was a previous missed payment when the direct debit for some reason wasn’t taken out , but I put it down to an admin error and just paid right away to avoid a further charge. Reviewed on: 13th May 2024

Very good experience, and very professional

Very good experience, and very professional Reviewed on: 13th May 2024

All good !

All good ! Enjoying every bits of it ! Easy access, security is on point ! PayPal credit is very convenient and useful ! Reviewed on: 13th May 2024

Great service

Really fast to get back to me when having issues. Glad to have any sort of credit access that i can pay back when i have money. Easy to use, both with paying on other websites as well as the website and app interface, really smooth, and easy to navigate. Reviewed on: 13th May 2024

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