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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)

Informative and easy

I have always had a smooth easy and informative experience with PayPal that’s why I continue to use PayPal. And easy to work with! Reviewed on: 7th July 2026

Help is needed at any time, better than most credit...

Help is needed at any time, better than most credit card companies. Reviewed on: 7th July 2026

PayPal credit is brilliant helps out when you don’t...

PayPal credit is brilliant helps out when you don’t have instant cash and easy payments Reviewed on: 7th July 2026

I have never had a bad experience to date with PayPa...

I have never had a bad experience to date with PayPal credit. Reviewed on: 7th July 2026

PayPal credit

Easy to use, helped me book a holiday that I desperately needed and pay it off within four months with no interest. Easy to make payments back, easy app to use, statements easy to read and understand. Reviewed on: 7th July 2026

Grast to be able to opt for pay in 3.

Grast to be able to opt for pay in 3. App easy to use and customer service quick to respond Reviewed on: 7th July 2026

Convenience with benefits

Paypal is very user friendly. Kindda very easy to use even for those having no knowledge of Fintech services. If anyine can use their phone means they can use paypal. I use paypal for tranfer of funds, pay in 3 to split purchase. Unlike many other banking app we don't need to share all account detail but a simple username can be useful to send & receive fund? Paypal also offer credit card which works like other normal credit card but with additional perks one of which is split purchase over £99 without interest. Ifbyou spend over £99 you can pay over small portion within 4 months. No fees no interest. Reviewed on: 7th July 2026

good company many options never had a reason to spea...

good company many options never had a reason to speak to customer service so hopefully that continues to stay that way Reviewed on: 7th July 2026

..shushu

Am very happy with the service am getting from PayPal. I like pay in three which make my life easier. Reviewed on: 7th July 2026

I always feel safe to use paypal

I always feel safe to use paypal Reviewed on: 7th July 2026

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