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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)

Always more confident making a purchase via PayPal a...

Always more confident making a purchase via PayPal as if there are any problems, PayPal help to sort it out. I can always ask for advice when needed - efficient service Reviewed on: 10th June 2026

I have great experience with PayPal.

I have great experience with PayPal. very simple to use Reviewed on: 10th June 2026

Never had problems with transactions

Never had problems with transactions Reviewed on: 10th June 2026

Excellent service everytime.

Excellent service everytime. No hassle, simple. Done. Reviewed on: 10th June 2026

Worth becoming a member

Great company though I recently changed me email as my old one was hacked into but it still comes up when I try to log in, instead of my new one Reviewed on: 10th June 2026

Free from problems

Free from problems so far. Easy to use. Reviewed on: 10th June 2026

No complaints

Never had an issue, used pay in 3, credit and normal payment services and always received prompt responses Reviewed on: 10th June 2026

Easy and convenient

I love having PayPal as an option for my spending. It’s so easy to use and I especially like how smooth the process is when purchasing on a website, but paying by PayPal. Very convenient. Reviewed on: 10th June 2026

Good but could improve

I think the pay later option should be a minimum of 6 months rather than the 4 months it currently is and I think the minimum spend could be reduced to say £50 or £60 rather than the current £99 threshold, before automatic interest applies. Reviewed on: 10th June 2026

Smooth as silk so far.

Smooth as silk so far. Excellent customer service experience. Prompt refund processing. Reviewed on: 10th June 2026

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