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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)

Spreading the cost!

Use PayPal credit regularly for tool purchases and it’s great having 4 months to spread the cost! Reviewed on: 12th May 2024

Easy and helpful

PayPal is easy to use and also easy to do transactions such as sending and receiving money. PayPal is trustworthy and I am using this from around more than 6 years. Reviewed on: 12th May 2024

Easy, solid works a treat.

Easy, solid works a treat. I buy using PayPal credit for large payments such as holidays. Its easy to pay off and allows you to have control over your finances Reviewed on: 12th May 2024

A safe way to pay

I know that my payment is always safe and protected, which is important to me Reviewed on: 12th May 2024

Excellent customer services

Excellent customer services, very easy to understand statements. Always prompt to resolve any issues with purchases. Reviewed on: 12th May 2024

Super easy to use.

Super easy to use. Approved of me within seconds. Reviewed on: 12th May 2024

Spread the cost has never been easier

I bought many things with paypal credit and the fact that I can spread payments it's amazing, without being charged for it. Amazing Reviewed on: 12th May 2024

Always good service, been with them for 10 years

Always good service, been with them for 10 years Reviewed on: 12th May 2024

Simple application process, even simpler purchasing

Simple application process, even simpler purchasing Reviewed on: 12th May 2024

Save time and unwanted paper works at the same time...

Save time and unwanted paper works at the same time no interest, highly recommend. The formalities are very simple and if we stuck anywhere the customer care team will help you any time. Reviewed on: 12th May 2024

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