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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.

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)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024

Simple to use

It was a very simple and clear procedure to set up my PayPal credit account and I feel very safe using PayPal as my payment method. The £40 incentive was great Reviewed on: 12th July 2026

I have only found PayPal to be helpful.

I have only found PayPal to be helpful. And mostly a bit of a life saver on the months where multiple purchases are needed. Reviewed on: 12th July 2026

Ease of use top tier

Ease of use top tier been using it for years Reviewed on: 12th July 2026

I Always use PayPal to book my holidays, easy to us...

I Always use PayPal to book my holidays, easy to use and very friendly with credit. Definitely recomand. Reviewed on: 12th July 2026

Very fast and easy to apply.

Very fast and easy to apply. I could use straight away online, which really helped. Reviewed on: 12th July 2026

Never had a bad experience with PayPal.

Never had a bad experience with PayPal. Reviewed on: 12th July 2026

Been using PayPal for 14 years- no issues.

Been using PayPal for 14 years- no issues. Reviewed on: 12th July 2026

It’s a very well thought out product.

It’s a very well thought out product. It’s easy to apply for easy to see your limits. Easy to set up direct debits easy to keep in control and an awful lot of retailers except Paypal and it’s secure.. Reviewed on: 12th July 2026

Love paypal

Great service, safe and effective way to spend and save. Easy to use fast payments and overall great service to use. Reviewed on: 12th July 2026

Excellent usability

Really easy to use, great security and flexible payment methods. Pay in 3 is excellent Reviewed on: 12th July 2026

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