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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)

Good service on time and great results

Good service on time and great results Reviewed on: 12th July 2026

Very good very easy to use helps with spreading the...

Very good very easy to use helps with spreading the cost Reviewed on: 12th July 2026

Very user friendly and easy to use.

Very user friendly and easy to use. Incredible support. Reviewed on: 12th July 2026

Very good on most things, but lacking some capabilit...

Very good on most things, but lacking some capabilities Reviewed on: 12th July 2026

I use PayPal for everything, I know that if an onlin...

I use PayPal for everything, I know that if an online ordering doesn’t arrive or is not the correct item, I can get my money back. It’s always good to know that I’m protected Reviewed on: 12th July 2026

Easy to set up and use, safe and secure.

Easy to set up and use, safe and secure. Reviewed on: 12th July 2026

Always a easy transactions with PayPal.

Always a easy transactions with PayPal. Reviewed on: 12th July 2026

PayPal has helped me in many way purchasing grocerie...

PayPal has helped me in many way purchasing groceries from stores which have been extremely helpful with the cost of living increasing, PayPal has helped me provide for my family when situations have been financially challenging Reviewed on: 12th July 2026

So far so good

Worked seamlessly wherever I used paypall before. I think it can be a virtual card but haven't tried that feature out. Not had reason to test customer service so can't comment on that. Easy to see my balance a and can pay whenever as long as minimum is covered. I spend a mixture of pay over time and traditional credit, both work. Reviewed on: 12th July 2026

Smooth experience and great for online shopping!

I have been using PayPal Credit for a while now, and it has been incredibly convenient for financing my online purchases. The 4-month 0% interest offer on purchases over £99 is a massive benefit and helps me manage my budget easily. The application process was quick and straightforward, and it integrates perfectly with my PayPal account. The only thing to keep in mind is that the interest rate can be quite high if you don't clear the balance on time. But as long as you pay your bills responsibly, it is an excellent and secure tool for online shopping. Highly recommended! Reviewed on: 12th July 2026

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