Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

View other PayPal products

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

Read all reviews Write a review

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.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.

Write a review

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)

Always provide a good service

Always provide a good service and coming up with new products Reviewed on: 13th July 2026

Seamless access to credit

I was able to able for £1500 credit with a few clicks, and got approved immediately. Reviewed on: 13th July 2026

Fast service to a fault

Some issues getting in touch with a human when a change of details isn't registered with the system, would be really great if customer support were more accessible. The financing options are easy to use and there are no issues with making early payments Reviewed on: 13th July 2026

Saved my life with PayPal credit.

Fantastic service as always! Saved my life with PayPal credit. Reviewed on: 13th July 2026

PayPal perfectly protecting purchases

Your always protected when using PayPal should you have problems with retailers. Whether items are damaged or lost in transit you can guarantee that PayPal will intervene to find suitable outcomes to resolve the problems. Reviewed on: 13th July 2026

So easy to use and service is always excellent if yo...

So easy to use and service is always excellent if you need any help Reviewed on: 13th July 2026

Interesting free payments paid in three instalments

I find that splitting a lager purchase into three interest free payments very helpful. Reviewed on: 13th July 2026

Ive had a great experience with this.

Ive had a great experience with this. Been very helpful Reviewed on: 13th July 2026

PAYPAL MY PAL

I recently had a fantastic experience with PayPal Credit. Their customer service over the phone was excellent, with staff who were both professional and genuinely helpful. They provided great support in managing my account, making the whole process smooth and stress-free. PayPal has truly been my pal throughout this experience, and I’m very impressed by the level of care and efficiency they offer. Reviewed on: 13th July 2026

Excellent customer service

I have had a few supplier queries that I have requested help with refund or faulty items. Almost instantly, queries resolved . Excellent always use PayPal for buying . Reviewed on: 13th July 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Loan
from Snap Finance 4.81 from 370 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101311 reviews
Payments
from PayPal 4.72 from 3854 reviews
Credit card
from PayPal 4.66 from 126 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub