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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)

I've not really had any bad experiences whilst usin...

I've not really had any bad experiences whilst using PayPal credit. Reviewed on: 12th May 2024

Very easy to open and excellent app.

Very easy to open and excellent app. Plus easy to setup payments Reviewed on: 12th May 2024

Quick and efficiant process, ita certainly helped us...

Quick and efficiant process, ita certainly helped us out during these unforgiven times of high energy bills Reviewed on: 12th May 2024

Good service

Good service, easy to use and can connect other accounts to your PayPal. Everything is in the same place and you have the choice at checkouts to use your card or your credit. Reviewed on: 12th May 2024

I use it from time to time.

I use it from time to time. It’s really good and allows me to buy essentials Reviewed on: 12th May 2024

It’s always Safe, very flexible, easy and fast to us...

It’s always Safe, very flexible, easy and fast to use via the app. Never any dramas makes online purchases a breeze Reviewed on: 12th May 2024

All good, no bad experience so far

All good, no bad experience so far Reviewed on: 12th May 2024

PayPal is great value

PayPal in 3 is great, it allows you to pay for unexpected things right now. I've used it for last minute flights and a holiday. I also sell handmade goods and it's so easy for purchases to be paid for. Then I can spend the balance or save it for something else. So easy, all you have to do is let the purchaser know your email address. Reviewed on: 12th May 2024

4 months interest free is amazing

The 4 months interest free has helped me with saving and paying for things without costing extra. The reminders of payments being due and the ability to set up automatic payments mean that I never incurred any interest charges. Reviewed on: 12th May 2024

PayPal is very secure and always ready to assist, he...

PayPal is very secure and always ready to assist, help and support Reviewed on: 12th May 2024

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