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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

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4.73

Based on 181,154 reviews, last reviewed 29th Sep 2026

65% decrease in 5 star reviews

in the past 90 days

53% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Best Customer service Best Customer service, and great value. Reviewed on: 29th September 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 (181154)

Since using PayPal it has made my life so much easier.

Since using PayPal it has made my life so much easier. Its very simple to use and takes the stress out off making purchases. Reviewed on: 10th June 2026

Easy to Use but Be Aware of Interest Charges

I have used PayPal Credit for online purchases and found it convenient and easy to manage. The application process was straightforward, and the credit was available quickly. It is useful for spreading the cost of larger purchases, especially when promotional interest-free periods are offered. However, it is important to keep track of repayment dates, as interest charges can be high if the balance is not cleared on time. Overall, my experience has been positive, but I would recommend reading the terms carefully before using the service. Reviewed on: 10th June 2026

Great app to use.

Great app to use. Found it very easy to read and navigate. Reviewed on: 10th June 2026

Excellent availability for purchasing items with cho...

Excellent availability for purchasing items with choice on payment. Regular reminders for payment due. Fabulous customer service with polite and friendly staff and resolutions to issues. Brilliant !!!!! Reviewed on: 10th June 2026

expellant service

i have never had a issue ,even when claiming back money where items have been faulty/not turned up Reviewed on: 10th June 2026

Never have any problems with PayPal.

Never have any problems with PayPal. I won't buy on the Internet if PayPal isn't offered as an option for payment. I feel safer knowing Pp is protecting me. Reviewed on: 10th June 2026

I have used pay pal for a few years .

I have used pay pal for a few years ..its just perfect for me ..i book holidays and concert tickets knowing im protected and can split my payments Reviewed on: 10th June 2026

Easy to use and easy to track balances, make payments.

Easy to use and easy to track balances, make payments. Also good range of payments options and retailers that accept Reviewed on: 10th June 2026

Always helpful, understanding quick efficient

Always helpful, understanding quick efficient Reviewed on: 10th June 2026

Excellent service

Excellent service fast and responsive to any questions. Reviewed on: 10th June 2026

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