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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)

There fo more

Unique, ease of access , no hidden agendas . Reviewed on: 10th June 2026

Great payment option but The monthly payments take t...

Great payment option but The monthly payments take too long to come out of bank from day stated Reviewed on: 10th June 2026

Convenient and easy to use

Really good service so quick and easy to use Reviewed on: 10th June 2026

love PayPal credit

I’ve used it a lot never had problems love PayPal credit Reviewed on: 10th June 2026

Never had an issue with PayPal.

Never had an issue with PayPal. I think the protection that comes with making a purchase is great and is why I do make allot of purchases this way. Reviewed on: 10th June 2026

It’s so easy to use!

It’s so easy to use and great for sending money across to friends and family. Paypal credit comes in very handy too. Reviewed on: 10th June 2026

Always fast and secure.

Always fast and secure. No problems and totally trust paypal Reviewed on: 10th June 2026

Unhelpful

On the whole I've found PayPal very convenient however you over promise I've had several occasions where I've paid for items that have either not turned up or not been fit for purpose you state that you refund money if that is the case. I opened a case recently when purchasing an ebay for £350 approximately I cancelled this item on eBay but the seller ignored this and still sent the item out I contacted the seller several times but they still ignored my communication. Finally the seller responded and explained that their system had let this process down and they would reimburse me all my money send me a return label however when I went into eBay to get the return label it wouldn't allow this to happen due to the fact that I had an outstanding case on PayPal. So I went in and closed the case however it turned out after I returned to the item with their pre-paid label that was tracked and proved they had received the item back they refuse to refund me so I contacted PayPal again and explained what happened by putting in a new case PayPal said this was my fault because I should never have closed the case in the first place so I was out of pocket by £350 Reviewed on: 10th June 2026

Paypal credit is fantastic.

Paypal credit is fantastic, had it for many years, its excepted at most online check outs and I feel its more secure than using a bank card online, PayPal credit also allows me to spread the cost of purchases interest free that I feel is great service. I would highly recommend paypal to anyone Reviewed on: 10th June 2026

Easy to use pay in three, free credit

Easy to use pay in three, free credit Reviewed on: 10th June 2026

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