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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)

Paypal, are brilliant.

Paypal, are brilliant, they are my first payment system I use as there is no drama and the payment is sorted instantly. Reviewed on: 7th July 2026

Absolutely seamless - very easy to use.

Absolutely seamless - very easy to use. Used PayPal for many years and never had an issue Reviewed on: 7th July 2026

Very easy to use good value for money a safe way of...

Very easy to use good value for money a safe way of making purchases Reviewed on: 7th July 2026

Never had an issue with PayPal, very easy to use

Never had an issue with PayPal, very easy to use and set up. One of my preferred payment methods and has been for gosh, over 16 years. Reviewed on: 7th July 2026

Easy to use app

Easy to use, easy to understand. No hassle and cannot fault it Reviewed on: 7th July 2026

Fantastic service

Paypal is so easy to use. It enables you to pay in 3 installments or pay later LL Ike a credit card which is great. The only downside is that when you pay your bill it takes ages to come out of the bank- Usually 4-5 working days. Other than that a great service. Reviewed on: 7th July 2026

Have never had a problem with PayPal and if there is...

Have never had a problem with PayPal and if there is an issue they get it sorted quickly and painlessly Reviewed on: 7th July 2026

Credit where credits due

There when needed, safe and secure a valuable household tool. Reviewed on: 7th July 2026

So easy to use and find

So easy to find and make use of, no nasty surprises. Just a click and you are there. Reviewed on: 7th July 2026

Reliable and Convenient Financing

I’ve been using PayPal Credit for over a year now, and it has genuinely made my online shopping experience so much smoother and more flexible. Whether I’m making a big purchase or spreading out payments for something special, it’s been a lifesaver. The application process was incredibly quick and easy – I was approved in minutes without any hassle. What I love most is how seamlessly it integrates with PayPal. I can use it anywhere PayPal is accepted, which is basically everywhere online. The “Pay in 4” option and longer-term financing have helped me manage my budget without stress, especially when I pay on time and avoid interest. Customer service has been responsive whenever I’ve needed help, and the mobile app makes tracking payments and balances effortless. It’s secure, user-friendly, and gives me that extra peace of mind with buyer protection on eligible purchases. If you’re looking for a trustworthy credit option that works hand-in-hand with one of the most popular payment platforms, I highly recommend PayPal Credit. It’s exceeded my expectations and earned a permanent spot in my wallet! Reviewed on: 7th July 2026

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