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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)

Ive always used PayPal for all types of payments.

Ive always used PayPal for all types of payments. So easy to set up and use either app or website. You get loads of different ways to pay and you get added security by using them. Reviewed on: 7th July 2026

Very good payment option when purchasing products li...

Very good payment option when purchasing products like pay in 3 or credit Reviewed on: 7th July 2026

I had a problem with a seller and my refund and PayP...

I had a problem with a seller and my refund and PayPal sorted it out Reviewed on: 7th July 2026

Handy and reliable experience..

Pretty good all round, I've used several times now when purchasing from eBay. Would be nice to have a little higher limit but generally pretty good. Reviewed on: 7th July 2026

Money moves made simple

Forget the friction. PayPal turns "How do I send this?" into "Done." Whether you're splitting a pizza bill with mates, paying an invoice, or handling business like a pro, it's genuinely fast—we're talking seconds, not days. Reviewed on: 7th July 2026

Affordable flexibility

I needed to buy some expensive gardening equipment but at the time my funds were tight. Using PayPal Credit gave me the opportunity to complete the purchase and spread my repayments over a manageable short period of time with no interest charged. Reviewed on: 7th July 2026

No PayPal Option to pay. No Purchase!!

I would not buy Anything online without the support and guarantee that paypal gives me. In today's scamming world it is increasingly more difficult for a normal person such as myself to know what is fact and what is a scam. When I pay with paypal I have the peace of mind knowing that if I don't receive what I think I have payed for that they will help me and I will not be out of pocket with nothing or a peice of rubbish no use to anyone! But most importantly that I have not given my bank details to the wrong person who will rob me of every penny I have. No PayPal Option, NO purchase, Simple and Safe. Reviewed on: 7th July 2026

They are all ways there when needed

They are all ways there when needed Reviewed on: 7th July 2026

simple quick easy and transparent.

The process was simple quick easy and transparent. Reviewed on: 7th July 2026

Thank you PayPal

I’ve have PayPal because it’s easy to use, the app is easy to keep track of your money and statements. PayPal are so easy to use. Reviewed on: 7th July 2026

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