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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)

Easy to use, made purchase simple, used interest fre...

Easy to use, made purchase simple, used interest free option Reviewed on: 7th July 2026

Great experience with PayPal credit.

I have had a great experience with PayPal credit. 4 months interest free is a great option for paying off larger purchases. I find PayPal credit extremely convenient and extremely easy to use. Setting it up was no problem either. Seemed very straightforward. I like being able to set my own monthly payment and having it set as a direct debit that I don’t have to remember to make the transaction Reviewed on: 7th July 2026

Excellent app and very useful!

Excellent app and very useful!I recommend to everyone! Reviewed on: 7th July 2026

Great and safe service

Protects my bank details from potential hackers safe login and money back guarantee PayPal is highly regarded by buyers because it offers strong protection against scams and missing items. If an item never arrives or does not match the description, you can open a dispute and get a refund. Reviewed on: 7th July 2026

Always there to take your call with any query and we...

Always there to take your call with any query and web app very easy to use. Informative emails and very easy to use secure links. Subtle and infrequent but valuable emails without the 'hard sell' Reviewed on: 7th July 2026

I use the pay in 3 all the time.

I use the pay in 3 all the time. It helps me spread the cost and it's interest free. Brilliant Reviewed on: 7th July 2026

As a means of paying...

I've always known about PayPal as a means of paying for something but to then be able to use a virtual credit card is amazing. It's allowed me to increase my credit score as well. No hassle what so ever Reviewed on: 7th July 2026

Hidden Gem..

So easy to deal with, offer credit facilities at no extra interest which really helps, Very well Done. Reviewed on: 7th July 2026

They made sure everything was dealt with

They made sure everything was dealt with Reviewed on: 7th July 2026

Excellent Online Payment Experience

I've been using PayPal for a while now, and it's always been easy and reliable. Sending and receiving money is quick, and I like knowing my payments are secure. It's accepted by so many websites, which makes online shopping really convenient. I've had a great experience overall and would definitely recommend it. Reviewed on: 7th July 2026

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