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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)

PayPal Credit is very useful.

PayPal Credit is very useful. You can make purchases and have a interest free time period of up to 4 months to pay it off. Reviewed on: 16th April 2026

I’m happy with paypal and all service

I’m happy with paypal and all service Reviewed on: 16th April 2026

PayPal rewards lets you buy things for free!

PayPal debit has proved very useful for money management. PayPal rewards has also been very useful and I have purchased several items online using the rewards, effectively for free. The earnings level for debit card transactions is as good as almost any other debit or credit card., at least ones that don’t have any annual/monthly fees. However, only certain sellers accept PayPal rewards, so they are good if you can use these sellers regularly. Reviewed on: 16th April 2026

Why I’m Obsessed with PayPal in 2026

The Ultimate Shopping Hack: Why I’m Obsessed with PayPal in 2026! If you aren't using PayPal for your daily spending yet, you are seriously missing out on the ultimate financial "cheat code." I’ve been using it for a while now, and it has completely changed the way I shop. The absolute game-changer? Pay in 4. It’s honestly a lifesaver—I can grab what I need (or want!) right now and split the cost into four easy, interest-free payments. It makes budgeting for larger hauls feel so much more manageable without the stress of a massive upfront hit to my bank account. Beyond the flexibility, it’s just so fast. No digging for my wallet or re-entering card numbers; I just tap, split the payment, and I’m done. If you want to shop smarter and keep your cash flow smooth, PayPal is the only way to go. • Budgeting Bliss: "Pay in 4" makes big purchases feel small. • Zero Friction: The fastest checkout experience on the web. • Total Security: I never have to share my card info with random sites. Reviewed on: 16th April 2026

Always fantastic, good on reminders and quick service

Always fantastic, good on reminders and quick service Reviewed on: 16th April 2026

It made my purchases more efficient and stress fre8

It made my purchases more efficient and stress fre8 Reviewed on: 16th April 2026

Seems to be working great and I am earning points...

Seems to be working great and I am earning points Reviewed on: 16th April 2026

great; easy transaction

great: hassle-free transactions everytime Reviewed on: 16th April 2026

Great paypal service

Great, Paypay service always helpful Reviewed on: 16th April 2026

PayPal offers a flexible and secure financial soluti...

PayPal offers a flexible and secure financial solution with convenient payment options. It also provides excellent peace of mind and a favourable exchange rate for international transactions. Reviewed on: 16th April 2026

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