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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)

yes smartway to shop and safe welcoming more people...

yes smartway to shop and safe welcoming more people to do so Reviewed on: 11th May 2024

Best service always

I have done two credits through PayPal. I am so happy for their interest free offers. Also their customer service team is the best, they are always ready to help. I have been so grateful for their service. Reviewed on: 11th May 2024

I use PayPal for all online payments.

I use PayPal for all online payments. PayPal should work hard and become more widely available Reviewed on: 11th May 2024

Pay in 3?

Pay in 3? Plus 4 months interest free on purchases over £100? Need I say anymore, better than a credit card Reviewed on: 11th May 2024

no issues and interest free for a set time frame

no issues and interest free for a set time frame Reviewed on: 11th May 2024

Great service professional and always available.

Great service professional and always available. Reviewed on: 11th May 2024

I mostly use Paypal.

I mostly use Paypal. Very safe and secure and I highly recommended my family and my friends. Reviewed on: 11th May 2024

Good service but not the best

Great service but not the best and need improvements Reviewed on: 11th May 2024

Handy for bigger purchases.

Handy for bigger purchases, takes the fear out of buying Reviewed on: 11th May 2024

PayPal. My best finance option

Easy to use. I haven't paid for interest yet after 1 year of use. I'm very happy to have it and it's the best finance option I have right now Reviewed on: 11th May 2024

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