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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)

Never had an issue.

Never had an issue. Always works. Reviewed on: 7th July 2026

More flexibility due to 4 months interest free over...

More flexibility due to 4 months interest free over many others only offering 3 months. Reviewed on: 7th July 2026

Offset payments

I use my credit to pay with zero interest over 4 months which allows me to buy lots off items at one which comes to over a £100 which allows me to do that. Reviewed on: 7th July 2026

Good customer service experience

Good customer service experience Reviewed on: 7th July 2026

Pay pal has showed up for me in ways I can’t imagine...

Pay pal has showed up for me in ways I can’t imagine, when my financial situation was tight and I needed to buy something PayPal came through and gave me more than enough credit to purchase what I needed and more, you never feel suffocated like you need to pay them now or you need to pay them a large amount as long as you are paying them and you are paying a little bit more than what you are meant to pay for your monthly payment you are good to go. Every time I call to speak to an advisor or make payment each and every one of them are just so nice, polite and friendly to speak to. I love me my PayPal credit, I can stay here for hours to share how amazing they are , if you need credit try your luck you never know they might be able to accept you , if you don’t try how would you know, as for me when am low in physical cash and I need something now either for my kids or for myself I just use PayPal credit and pay back later, it’s saves me in many ways knowing I can lean on a financial company that will not stress me. Thank you PayPal credit. Reviewed on: 7th July 2026

Never had any problems with PayPal Credit

Never had any problems with PayPal Credit Reviewed on: 7th July 2026

used for number of years always ok

used for number of years always ok Reviewed on: 7th July 2026

Have not needed to contact support yet so can’t comm...

Have not needed to contact support yet so can’t comment. Reviewed on: 7th July 2026

It's most reliable and secure.

It's most reliable and secure. Customer service is excellent if you need it Reviewed on: 7th July 2026

If you don’t receive anything, adjust PHONE PayPal e...

If you don’t receive anything, adjust PHONE PayPal email PayPal and they will sort it out for you straight away Reviewed on: 7th July 2026

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