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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)

Fantastic experience the best , never had any proble...

Fantastic experience the best , never had any problems if I did be easy to sort out on my app Reviewed on: 10th June 2026

Always a positive experience.

Always a positive experience. Communication is excellent when required Reviewed on: 10th June 2026

It is straightforward to borrow and you get ample ti...

It is straightforward to borrow and you get ample time to repay which is an absolute Godsend! Reviewed on: 10th June 2026

Is the most secure and reliable card

Is the most secure and reliable card Reviewed on: 10th June 2026

Anytime I interact with PayPal it is always a positi...

Anytime I interact with PayPal it is always a positive experience Reviewed on: 10th June 2026

Life's Little Helper

There are times when, no matter how hard you try not to, you need to spend a little more than you intended on essentials, and yes, maybe non-essentials. I ditched credit cards over 10 years ago, so I never over reach when it comes to spending, but being able to spread some things out over a few months with PayPal Credit at times is a huge help. I always make sure my balance is paid off before the 4 months are up, by scaling my direct debit accordingly. Like any form of credit, if used wisely, it's a great tool. Reviewed on: 10th June 2026

Easy to use

Easy to use and good if you have to pay later. Reviewed on: 10th June 2026

PayPal remains one of the absolute best ways to hand...

PayPal remains one of the absolute best ways to handle online payments. It bridges the gap between convenience and security perfectly, making online shopping and sending money incredibly straightforward. Thank you PayPal! Reviewed on: 10th June 2026

I've always had a good communication and resolution...

I've always had a good communication and resolution to any of my queries Reviewed on: 10th June 2026

PayPal seems to be the perfect financial partner.

PayPal seems to be the perfect financial partner. So easy to use and everything is in one place. Suits me down to the ground :) Cheers. Reviewed on: 10th June 2026

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