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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)

I'm very happy with service of PayPal

I'm very happy with service of PayPal Reviewed on: 7th July 2026

Always feel safe making a purchase with PayPal.

Always feel safe making a purchase with PayPal. Any issue always sorted promptly.like the payment options Reviewed on: 7th July 2026

Easy access and convenient when buying online

Easy access and convenient when buying online Reviewed on: 7th July 2026

Quick and easy

It was easy to apply and after the approval easy to use every time to buy with on line. Reviewed on: 7th July 2026

I have used Pay Pal for years and started using Pay...

I have used Pay Pal for years and started using Pay Pal credit last year. I find it not only convienent but secure, knowing when i pay someone they dont get my details. Reviewed on: 7th July 2026

PayPal is really easier to send and receive with.

PayPal is really easier to send and receive with. The only thing when sending is it takes alot longer to leave your bank account than say klarna. Which is frustrating. Reviewed on: 7th July 2026

Really like PayPal credit as a back up option and th...

Really like PayPal credit as a back up option and the interest free for 4 months Reviewed on: 7th July 2026

Excellent financial help.

When you can’t afford a lump sum, PayPal is so useful to break it down. Even got given a discount for using my card at ‘Download festival. Just brilliant. Reviewed on: 7th July 2026

I’ve had a very positive experience using PayPal.

I’ve had a very positive experience using PayPal. The platform is easy to use, secure, and reliable for both sending and receiving payments. Transactions are processed quickly, and I always feel confident that my money is protected. I trust PayPal because it provides a safe and convenient way to manage online payments. Overall, I’m very satisfied with the service and would highly recommend it to others. Reviewed on: 7th July 2026

Easy to apply, pay and clear on the options availabl...

Easy to apply, pay and clear on the options available whether short term with 0% repayment terms or longer with interest. Reviewed on: 7th July 2026

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