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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)

Slick and easy to use products thanks you PayPal.

Slick and easy to use products thanks you PayPal. I always recommend PayPal to family and friends too. Saved me many times when in financial peril Reviewed on: 7th July 2026

Good service, very helpful.

Good service, very helpful. Been with them for a while Reviewed on: 7th July 2026

Very easy to sign up and easy to use.

Very easy to sign up and easy to use. The app is also helpful to use Reviewed on: 7th July 2026

Thank you PayPal

I have been using paypal services for many years now and I can whole heartedly say that they are the best. The paypal payment in three and paypal credit services have helped me in a great deal. The transactions are transperent and customer service is excellent Reviewed on: 7th July 2026

Easy to use app and helpful with any questions

Easy to use app and helpful with any questions Reviewed on: 7th July 2026

All transactions are straightforward without issues.

All transactions are straightforward without issues. Reviewed on: 7th July 2026

Enabled me to easily make a purchase and then be abl...

Enabled me to easily make a purchase and then be able to spread payments. I would certainly use again. It was also easy to make repayments on the app with my linked debit cards. I didn’t order the physical card as only wanted to use it for 1 payment. Reviewed on: 7th July 2026

Buyer protection doesnt cover holidays / accommodation

Part paid for a a holiday using Paypal credit and wish I had just used a normal credit card. Holiday was massively misled / mis-sold even down to the photos of the accommodation and yet with all the supporting evidence and it was blindingly obvious paypal refused to help as not covered by buyers protection which was not known at the time. The 3rd party seller put the decision back to the owner for the holiday so clearly with this setup the buyer has no chance of being supported in the event something went wrong. Reviewed on: 7th July 2026

Using PayPal is easy and convenient for numerous thi...

Using PayPal is easy and convenient for numerous things and offers buyer protection Reviewed on: 7th July 2026

Great service

PayPal offers a fantastic interest free option that is flexible and cost effective Reviewed on: 7th July 2026

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