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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)

Easy application no fuss good interest rates adjusta...

Easy application no fuss good interest rates adjustable and easy payment plans Reviewed on: 7th July 2026

Never any problems, always quick and easy

Never any problems, always quick and easy Reviewed on: 7th July 2026

I've honestly never had an issue with PayPal.

I've honestly never had an issue with PayPal. There was one occasion a double payment had been taken, not sure why, but I called customer services and it was sorted so quickly and efficiently. Payment refunded within 24 hrs. Reviewed on: 7th July 2026

Easy to use

Paypal makes paying online simple and smooth Reviewed on: 7th July 2026

PayPal, taking control of your money decisions

PayPal has been easy to use and you can de ode how you use this. This freedom supports your financial independence. Reviewed on: 7th July 2026

Good credit system .

Good to have credit to pay for bigger purchases and spread the cost Reviewed on: 7th July 2026

PayPal reliability..

PayPal is always precise and concerned about your wellbeing not over stretching financially Reviewed on: 7th July 2026

Great price linked to a mobile phone

Great price linked to a mobile phone Reviewed on: 7th July 2026

Most items I purchase Offer PayPal credit as an opti...

Most items I purchase Offer PayPal credit as an option to pay, which is perfect for me to be able to spread the cost on larger purchases. I have used it many times with no issues Reviewed on: 7th July 2026

Easy, quick and safe to use.

I always find paypal easy, quick and safe to use. It gives me peace of mind when making payments and offers a variety of pay back options. Whether you are making a purchase or paying a friend, paypal feels easy and secure. Reviewed on: 7th July 2026

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