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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)

I find pay pal very easy to use, and constantly help...

I find pay pal very easy to use, and constantly helpful to my finances. Reviewed on: 12th July 2026

It's been really easy to use.

It's been really easy to use. Customer service has been exceptional when calling them to discuss anything. The offers that they give with different versions of no interest for certain months is what keeps me coming back to using it when wanting to use a credit card. I usually recommend it to anyone thinking of opening a credit card. Reviewed on: 12th July 2026

My experience is very good, no problem with it

My experience is very good, no problem with it Reviewed on: 12th July 2026

No faults, perfect!

Easily accessible and making payments/ setting up direct debit couldn't be easier. Has helped me massively finance my driving lessons in-between my monthly paid work. The benefits of interest free repayments on certain amounts is also hugely helpful. Reviewed on: 12th July 2026

PayPal is very easy to use and always reliable

PayPal is very easy to use and always reliable Reviewed on: 12th July 2026

Easy to use and efficient.

Easy to use and efficient. Just wish when I make a payment off my PayPal credit it wouldn’t take so long to debit my bank account Reviewed on: 12th July 2026

Always accepted at major retailers

Always accepted at major retailers Reviewed on: 12th July 2026

Ease of use, guaranteed cyber security for all purch...

Ease of use, guaranteed cyber security for all purchases with great rates of interest free and payment options. Reviewed on: 12th July 2026

PayPal is fantastic all round

It's fantastic all round all round Reviewed on: 12th July 2026

I had a couple of venders who couldn't accept PayPal...

I had a couple of venders who couldn't accept PayPal credit card payments (other credit cards were ok). Reviewed on: 12th July 2026

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