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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)

PayPal credit is fantastic

I’ve been using PayPal credit for the last year and it’s been incredibly convenient And really good value. The fact that you can pay off over a number of months on zero interest is super helpful, especially when you’re in a tight spot. Reviewed on: 12th May 2024

On a budget

Excellent service especially when you on a budget, an easy way to spread the cost Reviewed on: 12th May 2024

Nice and easy to use no hassle to spread the...

Nice and easy to use no hassle to spread the payments Reviewed on: 12th May 2024

Great customer service,

Great customer service, but intrest on Paypal credit could be high. Reviewed on: 12th May 2024

Never had a problem with PayPal money always fast an...

Never had a problem with PayPal money always fast and efficient Reviewed on: 12th May 2024

Always very helpful and quick to accept your loan or...

Always very helpful and quick to accept your loan or purchase. Reviewed on: 12th May 2024

Extremely terrific.

Extremely terrific. I will tell everyone I know about this service Reviewed on: 12th May 2024

Love the service, shame you can’t use PayPal credit...

Love the service, shame you can’t use PayPal credit everywhere and not be restricted by a retailer for example I can use PayPal credit and they do 24 months interest free yet if the shop doesn’t let me even though PayPal credit have the facility too which is stupid! I also strongly dislike the way PayPal claim to take payments to pay back your PayPal credit for example you set up a direct debit to pay on your due date and PayPal are incapable of all the years I have used them of actually just taking the money and updating their systems correctly and stop telling me it can take up to this time or x many days to debit my money, every other company in the world I pay by direct debit and you PayPal are the only company that are incapable of doing it! Reviewed on: 12th May 2024

Great payment facility, easy to navigate, secure and...

Great payment facility, easy to navigate, secure and widely accepted. Reviewed on: 12th May 2024

Exceptional Responsive Customer Service

Streamlined Positive customer service encounter at every contact. Reviewed on: 12th May 2024

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