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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181155 reviews)

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4.73

Based on 181,155 reviews, last reviewed 5th Oct 2026

75% decrease in 5 star reviews

in the past 90 days

73% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

been useing paypal for years and years been useing paypal for years and years Reviewed on: 5th October 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 (181155)

Able to make purchases simple.

Able to make purchases simple. Paypal customer protection covers my back. Easy to send money to bank or friends. Reviewed on: 7th July 2026

No issues with them, honest up front about fees.

No issues with them, honest up front about fees. Reviewed on: 7th July 2026

Insights to PayPal

Every time I use the app I'm aware of all the ways to pay. Whether it be from credit or over 3 mths. Reviewed on: 7th July 2026

Great service, supportive when concerns are raised.

Great service, supportive when concerns are raised. I feel safe paying via PayPal. Reviewed on: 7th July 2026

Superior

Helpful understanding customer service great credit limit and good interest free rate Reviewed on: 7th July 2026

Good PayPal has helped me a lot over the last 6 years.

Good PayPal has helped me a lot over the last 6 years. I use the card all the time to gain points. It’s let me pay for holidays and weekends away using the 3 month interest free offer or there pay in 3 offer which has given me much more opportunities Reviewed on: 7th July 2026

Simple and easy way to pay

Simple and effective way to pay for goods and services Reviewed on: 7th July 2026

PayPal at need

For me its a big help when I needed money and give me time to pay back Reviewed on: 7th July 2026

Great product

Frequently use PayPal credit and remain within the time scales of 0% interest credit which helps spread out cost during the year. Paying is easy but sometimes a lag of a few days for the balance to show and clear Reviewed on: 7th July 2026

Great customer service

Easy to use, great customer service every time that I have called up to make a payment or check something. Simple process and good experience. Reviewed on: 7th July 2026

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