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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)

Worthwhile considering PayPal Credit

Fantastic service overall. Easy to use and clear instructions on use of credit versus PayPals other services. Very easy to manage through the app and 0% for 4 months on most purchases allows the flexibility to purchase without accruing additional costs. Reviewed on: 7th July 2026

very easy

I have only had positive experiences with PayPal. makes transactions on line very easy Reviewed on: 7th July 2026

Fabs only company that gives credit and debit cards...

Fabs only company that gives credit and debit cards in one account. Reviewed on: 7th July 2026

My Honest Review of PayPal

PayPal provides excellent value with secure and reliable financial services. Their customer care team is friendly, professional, and always willing to help resolve issues quickly. The platform makes sending, receiving, and managing money simple and convenient. I appreciate the strong financial support and the peace of mind that comes with using PayPal. Overall, it's a trustworthy service that I would happily recommend to others. Reviewed on: 7th July 2026

Makes shopping more affordable for big purchases oth...

Makes shopping more affordable for big purchases otherwise not being able to buy them Reviewed on: 7th July 2026

My Go too Payment App

PayPal has been brilliant to use. The customer service is excellent, the platform is easy to access, and the app makes it incredibly convenient to spread payments over a period of time. It’s a reliable, user‑friendly service that I highly recommend. Reviewed on: 7th July 2026

Safe money handling

On all occasions excellent service Reviewed on: 7th July 2026

Easy to use and helpful for spreading costs

I’ve had a positive experience with PayPal Credit. It’s straightforward to use at checkout and helpful for spreading the cost of purchases when needed. The account is easy to manage online, payments are clear, and I like being able to keep everything in one place through PayPal. Overall, it’s been convenient and reliable. Reviewed on: 7th July 2026

A value for money service

PayPal credit is an accessible credit service and a must have for managing your finances, particularly with big purchases. Allowing you to spread the cost over 4 months without incurring interest is very convenient Reviewed on: 7th July 2026

A smooth experience with PayPal and PayPal Credit

A smooth experience with PayPal and PayPal Credit often feels like everything just works the way you hope online payments would. I’ve had moments where checking out with PayPal made a purchase feel secure and effortless—no digging for card numbers, no fuss, just a quick confirmation and done. Pairing that with PayPal Credit can be genuinely helpful too; spreading out payments over time without pressure makes larger purchases feel manageable rather than stressful. The combination of fast checkout, clear statements, and reliable buyer protection creates a sense of confidence that’s hard to beat, especially when you’re shopping online and want both convenience and peace of mind. Reviewed on: 7th July 2026

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