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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)

So easy to use with flexible ways to pay.

So easy to use with flexible ways to pay. The app makes it easy to monitor your spending and finances. Secure online payments give peace of mind and make checkouts quick and hassle free. Reviewed on: 7th July 2026

Hidden fees

Great offers and affordability to start then the interest rates and hidden fees creep up Reviewed on: 7th July 2026

Safest Way to Pay

Only pay for goods through PayPal as its a safe way to pay. Any issues I've had with sellers has been quickly resolved for me. Reviewed on: 7th July 2026

The easy and fast application process online was exc...

The easy and fast application process online was excellent. Reviewed on: 7th July 2026

Very easy to use and works across most retailers sites.

Very easy to use and works across most retailers sites. Easy to set up payments and regular reminders to pay back more than the minimum. Reviewed on: 7th July 2026

One of the best

PayPal is very easy to use with some great interest free payment plans. I use it all the time. One of the best. Reviewed on: 7th July 2026

Very good service easy to use and convenient ...

Very good service easy to use and convenient Reviewed on: 7th July 2026

Never had a problem with PayPal, very reliable and a...

Never had a problem with PayPal, very reliable and a good service Reviewed on: 7th July 2026

A brilliant service both online and in person.

A brilliant service both online and when you talk to a human. Always helpful and knowledgeable on the odd occasion that you need to talk to someone about your account. Reviewed on: 7th July 2026

Great service - so handy to have PayPal credit when...

Great service - so handy to have PayPal credit when you want to buy larger items and spread the cost. Easy to use and manage. Reviewed on: 7th July 2026

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