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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)

Brilliant app, Easy to access money and credit if ne...

Brilliant app, Easy to access money and credit if needed Reviewed on: 10th June 2026

I have never experienced any issues with Paypal, and..

I have never experienced any issues with Paypal, and the credit and pay in 3, are great options to spread the cost Reviewed on: 10th June 2026

0% for 4 mos.

I keep using Paypal credit to split my purchases into 4 months if its above £100. 0% for 4 months is convenient for me. Reviewed on: 10th June 2026

Great quick service.

Great quick service. No issues in applying Reviewed on: 10th June 2026

Overall good, customer service coould be improved

Overall good, customer service coould be improved Reviewed on: 10th June 2026

Fantastic option to pay

Its so simple and easy to use plus gives you buyers protection which is essential these days purchasing online. The option to pay up in instalments makes it easy to budget your outgoings. Reviewed on: 10th June 2026

Seamless

most important for me is the seamless transaction process when on line....Interest free 3 month payments allows me breathing space and affordability. Reviewed on: 10th June 2026

Great alternative to paying in full

Allows me the freedom to pay in one go but spread the cost. I especially like the 0% interest on larger purchases for 4 months. Reviewed on: 10th June 2026

Service Good

Able to use with ease and confidence in my spending Reviewed on: 10th June 2026

Im happy customer of PayPal, using quite frequently.

Im happy customer of PayPal, using quite frequently. I have a trust is PayPal and all my purchases are safe. Thank you Reviewed on: 10th June 2026

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