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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)

Simple and Secure

Makes paying for things online so much easier and is so much more secure than giving my card details to loads of retailers Reviewed on: 13th July 2026

Well, being able to use various methods of payments...

Well, being able to use various methods of payments ( payment in 3, % payment or 30 days payment option) Reviewed on: 13th July 2026

I've used PayPal for years , simply because I feel i...

I've used PayPal for years , simply because I feel its a safer way to pay .If i see a transaction that looks suspicious I know if I contact PayPal they will get it sorted swiftly. I often pay by PayPal in three installments for a big purchase and I have found this very useful, us PayPal always send a reminder when I have an upcoming payday which I have found useful. Reviewed on: 13th July 2026

They get everything right..

PayPal is extremely well established, simple to use and now offers a decent rewards program. Their trustworthiness and compatibility with most retailers makes them my go-to funding source. Reviewed on: 13th July 2026

I feel that my money is safe by using Pay Pal

Excellent service and easy to use Reviewed on: 13th July 2026

Started using PayPal years ago but interest rates ha...

Started using PayPal years ago but interest rates have increased steadily to a very high rate that isn't value for money Reviewed on: 13th July 2026

PayPal has been a reliable and convenient service fo...

PayPal has been a reliable and convenient service for me. Payments are fast, secure, and easy to track, and I appreciate how smoothly it works across different websites and apps. It’s a trustworthy platform that makes online transactions simple and stress‑free. Reviewed on: 13th July 2026

UK Customer Service always very helpful.

UK Customer Service always very helpful. Reviewed on: 13th July 2026

Always good payment options.

Always good payment options. Fast and reliable. Reviewed on: 13th July 2026

Great that there is 0% interest options.

Great that there is 0% interest options. I have used PayPal credit now for a few years and it has been the most convenient lender for me. I am always able to pay it back within a few months and the customer service is 10/10 whenever I have interacted with them! Reviewed on: 13th July 2026

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