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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)

Easy to use facilities, low interest on credit options

Easy to use facilities, low interest on credit options Reviewed on: 10th June 2026

I love using paypal and have done for several years...

I love using paypal and have done for several years now. It makes life much easier when making purchases. No handing over your card details to many many companies, just safe in one place. I often use pay in 3 and paypal credit for cashflow purposes. The app is so easy to use with all the info you need to mange your finances. Reviewed on: 10th June 2026

Great company to deal with the app is super easy to...

Great company to deal with the app is super easy to navigate and understand Reviewed on: 10th June 2026

Very transparent service, could be better

Very transparent service. However, customer service does take a couple of days to respond to your queries. Reviewed on: 10th June 2026

Hassle free

Hassle free, free's up purchase's with Pay in three Reviewed on: 10th June 2026

Easy lending with clear and concise T&C’s

Easy lending with clear and concise T&C’s Reviewed on: 10th June 2026

Love the PayPal app, easy to use , PayPal interest r...

Love the PayPal app, easy to use , PayPal interest rate a bit high though Reviewed on: 10th June 2026

Brillliany

Easy to use and understand, swift response to queries and when there are issues they act fast. Reviewed on: 10th June 2026

I love it

I have used PayPal credit for years and I love it, it’s so helpful for when I purchase things over £99 to get up to 4 months interest free to pay it off, it also gives security with purchases which is one of the reasons I use it all the time Reviewed on: 10th June 2026

Always excellent service, a trusted and high quality...

Always excellent service, a trusted and high quality standards. Reviewed on: 10th June 2026

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