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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)

I have very good experience with PayPal credit for m...

I have very good experience with PayPal credit for many years Reviewed on: 7th July 2026

Easy to use, simple to apply I am happy with the eas...

Easy to use, simple to apply I am happy with the ease of use of the app and the simple application process with fast access Reviewed on: 7th July 2026

PayPal has been consistently good.

PayPal has been consistently good through my many years of use and the customer service when required (which isn’t often) has been prompt and friendly. Reviewed on: 7th July 2026

Exellent service

Always looked after my interests Reviewed on: 7th July 2026

Easy to use and very clear on the app.

Easy to use and very clear on the app. Reviewed on: 7th July 2026

Ive used paypal credit for the past year, ive not ma...

Ive used paypal credit for the past year, ive not managed to pay it off yet but the monthly payments arent extortionate, and ive gone over interest free time. Its easy to make payments and easy to use as payment - if its 3 days till payday and we want a pizza, i like to chuck it on there then pay it off when i get paid etc. Reviewed on: 7th July 2026

I sometimes struggle to find how long I have to pay...

I sometimes struggle to find how long I have to pay off different plans at 0% interest, I love everything else, it’s very easy to make payment using pay pal and good you can set up the direct debit Reviewed on: 7th July 2026

Purchases made more affordable

PayPal credit helps to make those larger purchases more affordable with the interest free period. Spreading the cost enables me to make the home improvements I need to do more financially manageable. It’s also handy for those larger unexpected purchases. PayPal can be used almost everywhere which just makes life a little easier. Reviewed on: 7th July 2026

Easy to use as a credit and for payments.

Easy to use as a credit and for payments. App is simple to navigate and shows all activity on the account Reviewed on: 7th July 2026

PayPal provides amazing retail financial services an...

PayPal provides amazing retail financial services and it’s customer representatives are readily available to help you with any issues Reviewed on: 7th July 2026

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