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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181155 reviews)

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4.73

Based on 181,155 reviews, last reviewed 5th Oct 2026

75% decrease in 5 star reviews

in the past 90 days

73% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

been useing paypal for years and years been useing paypal for years and years Reviewed on: 5th October 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 (181155)

Ease of use and convenience is amazing

Ease of use and convenience is amazing Reviewed on: 12th July 2026

A great way to pay and any issues I've had needing a...

A great way to pay and any issues I've had needing a refund PayPal has always gone above and beyond Reviewed on: 12th July 2026

I have been with PAYPAL UK for approx 10 years, l ha...

I have been with PAYPAL UK for approx 10 years, l have always found them Respectfull when speaking to staff when making enqluiries or asking for advice on matters that will help and have a better understanding and even better experience with them. I now have a Paypal card that l use not only online l also use in the shops and use offers l can use in shops and get Points on all purchases if using in shops or online and the Card has been given very good if not excellent reviews online when using the card abroad when looking at reviews. I have also used the interest free pay in 3 on a high number occasions over 3 months and l have also noticed they have a new system where you can pay over a month, which l will take advantage of in the future. I am sometimes asked in shops about my thoughts on my Paypal card and it is without any hesitation and a honest opinion that l say l would Highly Recommend and is ideal for myself. Reviewed on: 12th July 2026

Wonderful

It’s really amazing, a threat help in emergency Reviewed on: 12th July 2026

Good reliable service

I have always found paypal to offer excellent services and easy to use used it for many years Reviewed on: 12th July 2026

Paypal always offer excellent service to her customers

Paypal offers her users excellent value at all times and the extra protection offered customers for their online shopping makes it a channel of choice for millions.... Reviewed on: 12th July 2026

Great customer service

I have been delighted with my experience with PayPal Credit over many years. Reviewed on: 12th July 2026

Simple and easy

I like to use PayPal credit very simple and easy to use and understand. Reviewed on: 12th July 2026

Convenient way to pay

I use PayPal Credit for online purchases quite often, interest rates are either 0% or very low. It’s very easy to use and very convenient. Monthly repayments can be quite high, but I suppose that’s because the interest rate is so low. I would definitely recommend it for people who do a lot of online shopping, but don’t want to get a physical credit card through their bank. Reviewed on: 12th July 2026

Straight forward.

Straight forward. Customer service answers your enquiry and are willing to help Reviewed on: 12th July 2026

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