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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)

Swift money transfers

Swift money transfers and the ability to get a credit facility. Reviewed on: 13th July 2026

PayPal Credit - Top of it's class!

Been using PayPal Credit for a while now, it really has helped me out financially. When money is tight, you can always rely on PayPal. The good thing about it is you can use it on any kind of purchase, it doesn't matter how little or big the amount is. You get upto 4 months to pay off your purchases with 0% interest which is more than what other company's offer. For example, Klarna you only get 30 days to pay off your balance before interest is added on. I do have an Argos card also which is usefull to have, but you can only use this with Argos themselves. As I say, PayPal Credit allows you to explore your options and can be used with litreally any online store. Without it, I wouldn't know what I would do. It really is top of the class and I would highly recommend. I've recommended it already to family members and friends and they now also use it. Reviewed on: 13th July 2026

I’ve been using PayPal for several years!

I’ve been using PayPal for several years, and it has never let me down. Whether I’m shopping online or sending money to family and friends, everything is quick, simple, and secure. I really appreciate the extra peace of mind that comes with buyer protection, and the app is easy to navigate. It’s one of those services I genuinely trust and use regularly, and I wouldn’t hesitate to recommend it to anyone looking for a safe and reliable way to make online payments. Reviewed on: 13th July 2026

Simple to use and a wide array of features and prote...

Simple to use and a wide array of features and protection for buyers and sellers alike PayPal is great to use whether its for a little purchase or even those bigger purchases and you need to spread the cost would recommend to anyone Reviewed on: 13th July 2026

Paypal has been a great overall experience for the d...

Paypal has been a great overall experience for the decade or so ive used it. Reviewed on: 13th July 2026

Efficient way to pay for purchases and good support...

Efficient way to pay for purchases and good support for any issues that occur with seller Reviewed on: 13th July 2026

Paying with Paypal is so easy and stress free.

Paying with Paypal is so easy and stress free. You can buy with confidence and they protect you from scams. Reviewed on: 13th July 2026

Reliable, easy access, continually developing.

Reliable, easy access, continually developing. Reviewed on: 13th July 2026

Seamless integration with PayPal & Google Pay App

Love how seamless it is integrated with my PayPal app and Google Pay touch less payment Reviewed on: 13th July 2026

Easy transactions without the worry of fraud as your...

Easy transactions without the worry of fraud as your protected from scammers and many payment options which is great before payday with pay in 3 or delayed payment options. Generally 10/10 Reviewed on: 13th July 2026

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