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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)

Easy to use and to get help in them phone...

Easy to use and to get help in them phone if needed Reviewed on: 12th July 2026

Easy and convenient

It was quite helpful, splitting up in 4 instalments , giving the opportunity to pay later. Good one. Reviewed on: 12th July 2026

Smooth, Flexible and Reliable Credit Service

I've had a very positive experience using PayPal Credit. I've used it to buy my TV, my phone, and to cover other important purchases when I needed extra flexibility. The application and checkout process have always been smooth and straightforward. One of the best features is the 0% interest offer over four months, which makes it much easier to spread the cost of larger purchases without paying extra interest, as long as you repay on time. It's simple to manage, convenient to use, and has been very reliable for me. Overall, I'm very happy with the service and would happily recommend PayPal Credit to friends and family. Reviewed on: 12th July 2026

Problem Setting up Direct Debit

I have only used Pay pal a couple of times. It's a good way to soar the cost of bigger purchases. However I have never been able to set up a direct debit so, as a result have missed the deadline for a couple of payments over the last few years Reviewed on: 12th July 2026

Perfecto .

Perfecto ......every day perfecto Reviewed on: 12th July 2026

It’s a great service but it could be better

It’s a great service but I wish you could pay for the interest free deals without having to clear the rest of your balance. Most other store cards who offer this as a similar service allow you the opportunity to do this. Reviewed on: 12th July 2026

The best service ever

Every time punctual precise and convenient never disappointed I would recommend it to my friends and relatives will use it more and more Reviewed on: 12th July 2026

Iv had paypal for years dont have a problem as such...

Iv had paypal for years dont have a problem as such but when there was a bit of confusion about 1 payment they black listed me from pay in three. My bank showed as completed but it hadn't. I paid this manual and still got penalised. Reviewed on: 12th July 2026

PayPal is a great way to purchase.

PayPal is a great way to purchase. Safe and efficient. Having access to pay in 3 or PayPal credit helps buy items safely and timely. Reviewed on: 12th July 2026

Consistent

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

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