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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 an issue with PayPal.

Never had an an issue with PayPal. I as aways pay on time and the terms offered are comparable with Barclaycard. Very easy to use. Reviewed on: 7th July 2026

Everything you do is sorted out very quickly and efe...

Everything you do is sorted out very quickly and efecentley and always there to help with buying and sending money Reviewed on: 7th July 2026

Interest free holidays!

PayPal credit helps me spread the cost of holidays over four months interest free which is an absolute game changer! It makes it possible to not get into debt and still enjoy life’s luxuries! Reviewed on: 7th July 2026

I have been using PayPal for over 10 years and found...

I have been using PayPal for over 10 years and found them excellent for all my financial transactions. Never had a problem and a safe company to use Reviewed on: 7th July 2026

Good experience and customer service

Good experience and customer service Reviewed on: 7th July 2026

Paypal Credit has been nothing short of amazing.

Paypal Credit has been nothing short of amazing. An excellent option for planned or spontaneois purchases. Reviewed on: 7th July 2026

I was always scared of using credit cards and buying...

I was always scared of using credit cards and buying things on credit. However, last year I got a fantastic offer from PayPal credit to split my otherwise £1600 new phone cost into 24 easy 0% APR instalments. It was an absolute no brainier! Why would I spend my savings up front, when I can pay a couple of pounds every month. I’m an absolute convert and will 100% recommend PayPal credit to everyone Reviewed on: 7th July 2026

Flexibility

Pay pal helps me be flexible with my money between credit and pay in three I’m able to manage easier. Reviewed on: 7th July 2026

Easy to use

Easy to understand, easy to use, very happy with the credit products PayPal provides; also, such an easy way to pay and transfer Reviewed on: 7th July 2026

PayPal credit as helped me buy thing as I can’t affo...

PayPal credit as helped me buy thing as I can’t afford to buy things out right now Reviewed on: 7th July 2026

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