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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)

The most secure way to shop online

The most secure way to shop online Reviewed on: 7th July 2026

Top Shopper Experience

Used PayPal for many years. Excellent service. Ease of use second to none. Has improved 100% on its retailers and offers great discounts. Rewards point a bonus as well. Security features and added buyer protection gives peace of kind shopping. Reviewed on: 7th July 2026

I have used PayPal credit for almost ten years.

I have used PayPal credit for almost ten years. It is the best way of managing my cashflow and keeps track of my spending habits. The four months interest free on purchases over £100 has been extremely valuable. Reviewed on: 7th July 2026

Great confidence when using PayPal

Great confidence when using PayPal Reviewed on: 7th July 2026

Good and simple to use and easy to make repayments...

Good and simple to use and easy to make repayments Reviewed on: 7th July 2026

Very good and communicating good when required, alwa...

Very good and communicating good when required, always sending reminders and updates so I never am left in the dark. Reviewed on: 7th July 2026

Great secure payment system, easy to use and really...

Great secure payment system, easy to use and really quick Reviewed on: 7th July 2026

Like the challenger bank of the credit card world..

PayPal credit is like the challenger bank of the credit card world. All the features of a classic credit card, but coupled with all the modern technical enhancements seen with newer players in the space. So easy to manage and stay on top of things. Reviewed on: 7th July 2026

Great way of spreading payments.

Great way of spreading payments. Easy transactions. Reviewed on: 7th July 2026

I used PayPal credit a lot until they decided out of...

I used PayPal credit a lot until they decided out of the blue to reduce the credit limit, I called customer service and they had no idea why as I cleared the balance every month so I stopped using it completely, Reviewed on: 7th July 2026

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