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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)

Excellent service, would like to see more traders of...

Excellent service, would like to see more traders offer option Reviewed on: 7th July 2026

Options for paying in 3 interest free instalments,...

Options for paying in 3 interest free instalments, fast service, also when there is a dispute or I am not sure re payment I query it and paypal investigates within 48hrs. Clear app, I can easily see my payments and options. I am very happy using paypal. Reviewed on: 7th July 2026

Pretty straightforward,credit access exceptionally g...

Pretty straightforward,credit access exceptionally good and understanding the policy Reviewed on: 7th July 2026

My paypal usage

Used PayPal for a while now because it feels very safe to use thanks to the goods and service protection. I’m glad that PayPal is doing the credit scheme now as well I think it’s one of the more better loans out there Reviewed on: 7th July 2026

Highly recommend

Always great responses to queries and smooth transactions Reviewed on: 7th July 2026

Very easy and straightforward, applying takes seconds

Very easy and straightforward, applying takes seconds Reviewed on: 7th July 2026

I really love using PayPal for everything it’s so co...

I really love using PayPal for everything it’s so convenient to use and hassle free. I have various options like credit and debit which gives me flexibility to pay over time. Reviewed on: 7th July 2026

A wide variety of financial services which are all e...

A wide variety of financial services which are all easy to use, I love the PayPal virtual debit card with the reward points and frequently use the pay in three option which makes paying for things appear less painful and helps me to budget my finances, plus it is so safe- can't fault it at all!! Reviewed on: 7th July 2026

Easy to use, flexible payment options.

Easy to use, flexible payment options. Reviewed on: 7th July 2026

Interest free period every time you use it

PayPal credit provides another cost spreading option with an interest free period each time. This makes it stand out as other companies might only give the interest free period as a one off introductory offer whilst PayPal give this benefit every time you use the service. Reviewed on: 7th July 2026

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