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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)

Excellent I love pay pal easy and secure shopping

Excellent I love pay pal easy and secure shopping Reviewed on: 12th July 2026

Helps spread costs of more expensive items without i...

Helps spread costs of more expensive items without interest. Reviewed on: 12th July 2026

I use PayPal all the time, it's so convenient and so...

I use PayPal all the time, it's so convenient and so much safer than using a card or credit card. Reviewed on: 12th July 2026

Excellent

Works very well and accepts payment Reviewed on: 12th July 2026

Quick and easy to use

Quick and easy way to pay and transfer money - very convenient App to have on my phone Reviewed on: 12th July 2026

Always easy to manage accounts through the app

Always easy to manage accounts through the app and get support when needed Reviewed on: 12th July 2026

No fuss, just does

It’s fine what it needs to, no fuss. Reviewed on: 12th July 2026

Accessible , easy to use and secure. .

Secure with phone fingerprint verification. Accessible 24/7 and easy to use anywhere. Not had to use customer service yet. The rest of PayPal is brilliant. I just hope if I have to use customer services it’s a U.K. English service that’s responsive. Reviewed on: 12th July 2026

Very good at returning refunds.

Very good at returning refunds. Extra secure with international purchases. Reviewed on: 12th July 2026

Spreading costs easily

Using Paypal pay in 3, and Paypal credit is a really useful and convenient way to spread the cost of medium to large purchases. They are really quick and no hassle to setup Reviewed on: 12th July 2026

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