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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)

Simple to use

Simple and easy to use and manage payments and no need to remember card details etc. Reviewed on: 12th May 2024

Safety when purchasing

I always feel safe using PayPal. I prefer to buys goods off line using PayPal for security reasons. Reviewed on: 12th May 2024

PayPal Cred

I've used PayPal credit for quite a few big purchases now. Excellent value and a fantastic easy to use service. Sometimes you'll get interest free options for 12-24 months also giving you extra time. :) Reviewed on: 12th May 2024

Flexible limit - easy to pay.

Flexible limit - easy to pay. Good interest disvount Reviewed on: 12th May 2024

big help during this cost ofliving crisis

big help during this cost ofliving crisis Reviewed on: 12th May 2024

Reliable, Flexible, insured this is why I love the s...

Reliable, Flexible, insured this is why I love the service. Reviewed on: 12th May 2024

I have been using PayPal credit for a while and neve...

I have been using PayPal credit for a while and never experienced any problem Reviewed on: 12th May 2024

So easy to use.

So easy to use. Only criticism is that there isn’t a break down on how much it will cost a month. Reviewed on: 12th May 2024

0% for 4 months great deal

0% for 4 months great deal for some of the things I buy. Reviewed on: 12th May 2024

Highly recommended

Been using for years love the interest free deals Reviewed on: 12th May 2024

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