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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)

Security & reliability

I always use PayPal! So easy to use & reliable. Reviewed on: 9th June 2026

Very good service and ok for interest

Very good service and ok for interest Reviewed on: 9th June 2026

Good app, easy to use.

Good app, easy to use. Payments come out slow though however Reviewed on: 9th June 2026

Great for online payments with 0% rates

Great for online payments with 0% rates Reviewed on: 9th June 2026

Easy app to use & easy to set up as...

Easy app to use & easy to set up as payment option Reviewed on: 9th June 2026

Safety First with PayPal

I try and use PayPal for all my on line purchases. Sometimes I use Credit more often pay in 3 to spread the load. I like to think that using PayPal gives me a buffer between the dangers of the internet and my banking details. I have never experienced any attempts to pry into my banking but it's always best to be protected. PayPal also offer a very robust protective environment which is reassuring indeed... Reviewed on: 9th June 2026

Excellen and completely trouble free

It has been amazing and completely trouble free and so easy to use Reviewed on: 9th June 2026

In a world where online scams are more frequent, I a...

In a world where online scams are more frequent, I always feel safer using PayPal. Excellent customer support and service. You’re treated like a valued customer. Always friendly and helpful Reviewed on: 9th June 2026

Could be better to prolong 0%.

Could be better to prolong 0%. I use pay pay credit a lot. Pay in 3 is very good very happy. Reviewed on: 9th June 2026

Finance without Burden

A journey that began with Ebay,, been a member for a long time, Facility of 0% finance on purchases over four months Is a nice touch as the acceptability of Paypal by venders has expanded allowing choice. Reviewed on: 9th June 2026

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