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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)

Great easy access to services and the provision of g...

Great easy access to services and the provision of good security. Rates of paying back credit monthly is reasonable and affordable. Reviewed on: 7th July 2026

Quick Safe & Easy

I've been using it for years it's always reliable and more importantly secure Reviewed on: 7th July 2026

The dealings I've had with PayPal have been very goo...

The dealings I've had with PayPal have been very good and the staff have always been very helpful to help me resolve any issues. Reviewed on: 7th July 2026

Let down

I have always used paypal for year and only let down once which was recently and dtill not resolved Reviewed on: 7th July 2026

I love PayPal credit.

I love PayPal credit. It allows me to make purchases without getting carried away. I am able to manage my finances and have stuff paid off before interest is added. Reviewed on: 7th July 2026

Pay Credit is fantastic it gives me flexibility with...

Pay Credit is fantastic it gives me flexibility with how I spend my credit. The service is equally amazing with notifications that are clear, timely and very easy to follow. Having interest free credit is an absolute must in today’s living and also helps me to manage my credit very well. Paypal credit also offers a great layer of security to my finances. I would highly recommend PayPal credit to friends and family without hesitation. customer services offer me reminders of upcoming payments which is fantastic and the app is very easy to use displaying all your activity in a user friendly format. Reviewed on: 7th July 2026

Feelss secure knowing paypal can cancel the payment...

Feelss secure knowing paypal can cancel the payment or refund you.shopping online can sometimes be unsure whether youll actually recieve the item Reviewed on: 7th July 2026

Apr is to high when there is lots more other banks a...

Apr is to high when there is lots more other banks and lenders offering more Reviewed on: 7th July 2026

Paypal credit

Easy too apply for , great customer service Reviewed on: 7th July 2026

Fast and seemless,.

Fast and seemless,.easy to use and widely available at many different retailers. I've used PayPal credit for years with no trouble at all and its my go to for online spending. You'll be amazed at the different places that all happily accept PayPal credit, and its actually faster than other forms of payment. Reviewed on: 7th July 2026

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