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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)

A very reliable company

A very reliable company and the service provided is second to none Reviewed on: 10th June 2026

Pay in 3 bad, PayPal credit good

Had problems with pay in three options for a transaction that advertised that this was an option, but was then able to use PayPal credit which actually worked out slightly better. Reviewed on: 10th June 2026

Apart from not being able to set up a direct debit I...

Apart from not being able to set up a direct debit I like PayPal overall Reviewed on: 10th June 2026

Keeps me coming back.

Efficient, simple, and very consumer friendly. It can be used on a wide range of goods and services - even food shopping in a pinch. I have been using it for years and am constantly returning to it for how useful it can be - for short term spending, it's fantastic. Reviewed on: 10th June 2026

Customer service

Very quick to act when a refund is needed Reviewed on: 10th June 2026

Safe and at ease

All my payments from brands land in PayPal and it’s smooth and quick for me - love it Reviewed on: 10th June 2026

An excellent service for paying via the web.

An excellent service for paying via the web. The credit, pay in three and 4, are a godsend when it comes to reducing larger bills and unexpected surprises Reviewed on: 10th June 2026

Safety, surety and peace of mind

I love the safety PayPal provides as you are not sharing financial info with strangers Reviewed on: 10th June 2026

I always have confidence doing my transaction throug...

I always have confidence doing my transaction through PayPal. I have never been let down. Reviewed on: 10th June 2026

My go to way to pay

I have never had an issue with PayPal. Trustworthy helpful and a money back guarantee if things go wrong with retailers. Wouldn't trust anywhere else. Reviewed on: 10th June 2026

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