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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)

Useful and i like the 0% interest for 4 months...

Useful and i like the 0% interest for 4 months function Reviewed on: 10th June 2026

Very good, good for building you're credit rating up

Very good, good for building you're credit rating up Reviewed on: 10th June 2026

Really easy to use and very clear app.

Really easy to use and very clear app. The 4 months interest free is a big help. Reviewed on: 10th June 2026

excellent

Paypal can be used practically everywhere, easy to use and no problems Reviewed on: 10th June 2026

The easiest and safest way to pay for online and the...

The easiest and safest way to pay for online and the PayPal credit was a great why to get my credit score up with out having to get a credit card Reviewed on: 10th June 2026

Helps me move money

Helps me move money when I need help. Reviewed on: 10th June 2026

Great credit schemes and the app

Great credit schemes and the app is first class Reviewed on: 10th June 2026

Great for flexible payments and easy to manage

I’ve been using PayPal Credit for a while now and find it highly convenient. The 4 months interest-free on purchases over £99 is an excellent feature that helps spread the cost of larger expenses. Reviewed on: 10th June 2026

Better than giving my bank account deta...

Useful when I dont want to give my bank account details online. Delayed payments are useful from time to time, too. Reviewed on: 10th June 2026

Longstanding Customer Review

I’ve used PayPal for many years and appreciate the way that they’ve developed this as an option to help people who are financially struggling. The payback is manageable and the interest is decent. I haven’t had to use customer services, but everything else has always been great, Reviewed on: 10th June 2026

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