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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

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4.73

Based on 181,154 reviews, last reviewed 29th Sep 2026

65% decrease in 5 star reviews

in the past 90 days

53% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Best Customer service Best Customer service, and great value. Reviewed on: 29th September 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 (181154)

It’s helps me a lot.

It’s helps me a lot.its a saviour Reviewed on: 7th July 2026

PayPal is the only way to pay!

PayPal is the only way to pay! I feel safe using it as I know no one else can get access to it. It’s got so many flexible ways of paying that don’t lead to long term debt and I can select which card I use so I can make sure I don’t overspend. I can overpay I don’t have to wait for the pay point each month. It’s great. Reviewed on: 7th July 2026

Love Paypal it provides the flexibility to buy witho...

Love Paypal it provides the flexibility to buy without pressure Reviewed on: 7th July 2026

I find PayPal a great help, its easy to understand

I find PayPal a great help, its easy to understand and navigate. The option to pay in three is a godsend and helps me to manage my outgoings. Reviewed on: 7th July 2026

I use PayPal pretty much all of the time.

I use PayPal pretty much all of the time. It’s really handy to use for collections at work, popping things on credit if payday hasn’t come yet. It’s easy to use Reviewed on: 7th July 2026

Used the PayPal pay in three months several times an...

Used the PayPal pay in three months several times and found it brilliant Reviewed on: 7th July 2026

Easy transactions

Easy transactions - protecting good purchased Reviewed on: 7th July 2026

Makes life much easier knowing you can pay with PayP...

Makes life much easier knowing you can pay with PayPal- the different options buy in 3 or credit help out Reviewed on: 7th July 2026

I’ve only ever had to contact them once and it was d...

I’ve only ever had to contact them once and it was dealt with straight away Reviewed on: 7th July 2026

Best customer service I’ve had from a credit product.

I used PayPal credit to buy an apple laptop and then ended up keeping the credit functionality for some time beyond this as I found it useful. When I did eventually decide to close my account the customer service was incredible. Unlike anything I’d ever dealt with on any other credit account. So good I almost thought twice about closing it infact! Reviewed on: 7th July 2026

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