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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181147 reviews)

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4.73

Based on 181,147 reviews, last reviewed 11th Sep 2026

50% decrease in 5 star reviews

in the past 90 days

32% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great credit option. Very straightforward procedure, various repayment options, very easy to use at checkout. Reminders sent promptly and payment straight forward Reviewed on: 11th 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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PayPal PayPal Credit reviews (181147)

Easy to use and helpful.

Easy to use and helpful. I have used PayPal for years and have never had a bad experience yet. Reviewed on: 6th July 2026

I’ve been a customer of PayPal for along time, I thi...

I’ve been a customer of PayPal for along time, I think roughly around 2016. I’ve not had one single bad experience, their charges are very reasonable compared to Tesco credit & their app is super easy to navigate and use. I much prefer it to any other credit lender I’ve ever used namely Argos/Tesco & Santander. Their payment due feature is great! It actually updates instantly once you’ve sent a payment. Perfect,please never change PayPal! Reviewed on: 6th July 2026

Secure and reliable option for payment, with the use...

Secure and reliable option for payment, with the use of interest free payment options. Reviewed on: 6th July 2026

PayPal is always there!.

PayPal is always there when I need to pay online & in most currencies. It’s handy using the PayPal debit card too… Reviewed on: 6th July 2026

PayPal as an excellent payment method

PayPal is an international company that is used and accepted as a payment method worldwide. If I have any issues regarding payments or refunds PayPal have clear guidelines to follow. Reviewed on: 6th July 2026

It’s easy, it’s reassuring, it gives me control and...

It’s easy, it’s reassuring, it gives me control and visibility of the finances I use, I’ve had no issues, now I earn cash back too it’s a bonus Reviewed on: 6th July 2026

Just loved the customer service so helpful

Just loved the customer service so helpful Reviewed on: 6th July 2026

Very straight forward and easy to use and understand

Very straight forward and easy to use and understand Reviewed on: 6th July 2026

Simple to use

Easy to use & convenient.. Don’t often use it but know it’s available if I need it. Reviewed on: 6th July 2026

PayPal Credit is a digital, reusable credit line bui...

PayPal Credit is a digital, reusable credit line built directly into your PayPal wallet. Unlike a traditional credit card, there is no physical piece of plastic. Instead, it acts as a financing option at checkout for millions of online merchants. While it offers an incredibly popular "no interest" promotion, it also comes with high standard interest rates that require careful management. Reviewed on: 6th July 2026

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