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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)

Great product helping me get those big purchases and...

Great product helping me get those big purchases and able to spread costs to my liking. So easy to use no messing about on lengthy calls decisions in an instant when speed and time are everything now. Reviewed on: 13th May 2024

I’ve been using PayPal for years.

I’ve been using PayPal for years. it’s a great secure way to pay for things. The 4 months interest free plan makes life easy and gives you that wee bit extra time to pay for a larger purchase without incurring any charges. Reviewed on: 13th May 2024

Paypal credit has given me more financial freedom, h...

Paypal credit has given me more financial freedom, helped with small payments like groceries or travel and has an amazing agreement with their 4 months zero interest. I'm very happy with the service and would highly reccomend Reviewed on: 13th May 2024

PayPal credit can be used in multiple places :) easy...

PayPal credit can be used in multiple places :) easy to use and flexible ways to pay :) Reviewed on: 13th May 2024

PayPal are simple the Best !

I use PayPal since 2012 and I am very satisfied firstly I am safe peace of mind and I can open claim within 360 days if any problems. Also using the PayPal credit account very happy with the services really recommend PayPal ! Reviewed on: 13th May 2024

PayPal Credit .

I’ve had no problems with my PayPal account apart from the start of use. I’ve tried several times to make use of my account, and have abandoned it because of the one time code doesn’t reach my phone number anymore. Reviewed on: 13th May 2024

Handy service as long as you have no problems

A handy service that can offer some good flexibility options when looking to pay for something both over a longer period and interest free. The criteria for this is pretty straightforward, and there's options to pay off early if you can do so. The only issue is if you have a problem or specific question to ask, the tactic used is one becoming more & more common, with services is trying to fob you off to FAQs, community forums & chatbots. It's difficult trying to reach a human being, and Paypal is no exception to this. This is one thing as customers we should not be accepting. Reviewed on: 13th May 2024

Excellent

Easy to use .. quick and helpful .. see exactly how much and when payment due .. love email notification in plenty of time of upcoming payment . can pay off extra ..,all done from home .., Reviewed on: 13th May 2024

Best in the Business !!! Easy & convenient

Always, I am grateful & thankful to PayPal & PayPal credit, as they are the only ones who provided me with credit for the first time which helped me to build a healthy credit history. Really easy to use & no hassle of keeping a physical card. Also provide best 0% interest repayment plans as well. Definitely recommends PayPal to everyone who's looking for a fast & convenient way for credit usage and also they got the best merchant tie-ups. Thanks again PayPal & PayPal credits. Reviewed on: 13th May 2024

Secure and convenient payments online.

Convenient for making payments online. Love that I can choose to pay in 3, or pay after 4 months in some cases giving me flexibility. However, payments don't update until after several days which can be confusing. Reviewed on: 13th May 2024

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