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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 to use

Got accepted easily, good deal, easy to use Reviewed on: 7th July 2026

Wouldn’t recommend!

An item costing nearly £70 arrived broken. PayPal claim made. They said they had refunded but money never arrived. Made a complaint with proof money didn’t arrive. They closed case leaving me out of pocket. Safer using credit card! Reviewed on: 7th July 2026

Always there when you need them.

Always there when you need them. Pay in 3 is particularly useful and no interest. I always turn to paypal. Reviewed on: 7th July 2026

Easy to use.

Easy to use. Flexible way to pay for goods Reviewed on: 7th July 2026

Easy to use with options on payments.

Easy to use with options on payments. Reviewed on: 7th July 2026

Instant credit with manageable payment options

PayPal credit allows me to buy items with instant credit available in manageable payments. It is a very quick and convenient way to buy items. They are also very supportive if there are any issues regarding the receipt of your order. Reviewed on: 7th July 2026

PayPal all the way

Always had my issues sorted out and solved Reviewed on: 7th July 2026

PayPal is easy, quick and hassle free.

PayPal is easy, quick and hassle free. I use it to transfer money to friends and family and I use PayPal credit to buy those items that I can't afford with one payment, and repay over a few months. It's been a lifesaver when my daughter's needed me beds. Reviewed on: 7th July 2026

Excellent Payment System

Very good service and very convenient Reviewed on: 7th July 2026

PayPal's the way forward

I have used PayPal for years for all my online shopping. The transactions are almost instant, and it gives me peace of mind knowing my actual banking details are hidden from websites. It makes checking out so much faster..There a great company Reviewed on: 7th July 2026

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