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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)

Budgeting brilliance

PayPal is so versatile with its repayment options giving the lendervarious options to repay is excellent for those planning their budgets. Reviewed on: 7th July 2026

ESay simple to use

PayPal is simple to use once you are signed up so no lengthy forms to fill in each time Reviewed on: 7th July 2026

Most of my online shopping is done through PayPal es...

Most of my online shopping is done through PayPal especially the more expensive items allowing me to spread payments Reviewed on: 7th July 2026

Great way to spread the cost

A great way to spread the cost for more expensive items. Easy to use where available. Reviewed on: 7th July 2026

I think PayPal is handy and easy to use, especially...

I think PayPal is handy and easy to use, especially now they have the app. I can only give it 4 stars as when I’ve needed to call, I’ve had mixed customer services experiences. Reviewed on: 7th July 2026

It makes paying for items easier for me.

It makes paying for items easier for me. It reduces the burden of having to pay for items all at once. I can sit back and pay at ease. Reviewed on: 7th July 2026

Easy to use

Easy to use ,quick approval and flexibility with early paying off credit. No intrest option is great as well. Reviewed on: 7th July 2026

Excellent service, helps me budget the way I pay fo...

Excellent service, helps me budget the way I pay for consumables Reviewed on: 7th July 2026

I always use pay pal where im able to.

I always use pay pal where im able to. It provides a safe experience in a world where technology is becoming more open for criminal activity on personal and private information being misused and inturn causing stress and worry for people. Pay pal relives the worry when purchasing items online. Reviewed on: 7th July 2026

Easy to use, secure and reliable.

Easy to use, secure and reliable. Available to pay on pretty much anything online, from clothes to holidays and many more. Very good service and value for money, Reviewed on: 7th July 2026

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