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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)

PayPal is so user friendly.

PayPal is so user friendly. There are multiple ways to pay which I really enjoy and it’s easy to see at a glance where you’re up to and what payments you have coming up. I always use PayPal Reviewed on: 13th July 2026

AZY-G uses paypal credit (and wins)

I borrowed from paypal and paid everything back! Reviewed on: 13th July 2026

It’s easy to use, it’s nice to be able to just selec...

It’s easy to use, it’s nice to be able to just select PayPal rather than putting in a new card at every websites checkout Reviewed on: 13th July 2026

Very good customer service.

Very good customer service. I was the victim of a scam last year. It happened on a Friday evening, PayPal resolved issue with minimum of fuss by the Saturday morning. Reviewed on: 13th July 2026

Giving the facility to pay in 3 has made things so m...

Giving the facility to pay in 3 has made things so much easier for me. Has allowed me to spread out cost of so many essentials and madw budgeting so much easier Reviewed on: 13th July 2026

Reliable Credit with a Smooth Experience

I've been using PayPal Credit for some time and overall I've had a positive experience. The application process was straightforward, payments are easy to manage, and the account is simple to use through the PayPal app. It has been useful for spreading the cost of larger purchases and the promotional interest-free offers have been helpful when managed responsibly. Customer service has also been satisfactory whenever I needed assistance. Overall, PayPal Credit has been a convenient and reliable financial product that I would recommend to others who use credit responsibly. Reviewed on: 13th July 2026

I have always used pay pal how ever I have a bad cus...

I have always used pay pal how ever I have a bad customer experience so don’t rate it as much as I used to Reviewed on: 13th July 2026

Great rates and customer service

Great rates and customer service Reviewed on: 13th July 2026

PayPal credit very easy to utilise

PayPal credit is very easy to utilise and manage, would recommend Reviewed on: 13th July 2026

Very good!

Always have a positive experience with PayPal. Easy to use and you always know where you are with using the app. Reviewed on: 13th July 2026

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