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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)

So easy to use, gives me peace of mind whilst on mat...

So easy to use, gives me peace of mind whilst on maternity leave! I can still buy what I need for my children without worrying Reviewed on: 7th July 2026

Very easy to use, your items are paid for instantly...

Very easy to use, your items are paid for instantly in one smooth transaction. Reviewed on: 7th July 2026

PayPal make borrowing trouble free.

PayPal make borrowing trouble free. I have used pay in 3 a few times, you know exactly how much and when is payable from the very beginning. You get an email with the schedule and a confirmation email that it has been excepted. Reviewed on: 7th July 2026

Highly recommend Paypal credit

PayPal credit has given me great flexibility, allowed me freedom to make purchases I couldn’t before, massively improved my quality of life and life experiences , doing things I couldn’t do before. PayPal credit has become my main payment form and feels safe and trusted. Would be great to extend the interest free repayment period however great having the current option too. Reviewed on: 7th July 2026

Regularly use when making big payments, the direct d...

Regularly use when making big payments, the direct debit keeps you paying the minimum and can pay off extra easily. All info is indentifiable of the app Reviewed on: 7th July 2026

You never know with PayPal Credit

PayPal Credit is good until you enter a dispute, you never know who they will favour even when the other party aren't in the right Reviewed on: 7th July 2026

Applying for credit is simple & straight forward, al...

Applying for credit is simple & straight forward, allowing someone like myself to purchase products that couldn't normally afford due to spreading payments. Reviewed on: 7th July 2026

Useful service with Interest free perks

No issues, easy to set up with a direct debit for repayment and the app shows everything you need to know. Reviewed on: 7th July 2026

Fantastic support and terms and conditions

Easy to deal with for any questions or concerns, excellent terms and conditions.. Prompt responses to application and have continued to use them going forward. Reviewed on: 7th July 2026

The best

Easy to use and very nice customer service Reviewed on: 7th July 2026

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