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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)

A1Very good service and excellent

Very good service and excellent around experience well recommended Reviewed on: 15th April 2026

Always positive outcomes so far so good.

Always positive outcomes so far so good. Love the options of delaying payments. Reviewed on: 15th April 2026

Everything is easy to understand and navigate excell...

Everything is easy to understand and navigate excellent all round. Reviewed on: 15th April 2026

Grateful

Easy to use, low interest, or zero interest if paid in 3 or 4 depending on amount. Reviewed on: 15th April 2026

Gave me a lift

Gave me a lift when I needed it has been there with credit and customer service Reviewed on: 15th April 2026

Reliable Financial Flexibility

I've had a very positive experience with PayPal Credit. It offers the flexibility I need for unexpected expenses or larger buys. The transparent terms and the ease of managing everything through a single login make it a top-tier credit service. Highly recommended for those who want a secure and efficient way to buy now and pay later Reviewed on: 15th April 2026

Minor issues but generally reliable

It's credit and can sometimes be hard to see interest if you have several offers. Also order button for physical credit card seemed broken every time I tried. Other than these minor issues it has been reliable an easy to find things. The UI isn't made fancy but it works to do what you need in tracking your spending Reviewed on: 15th April 2026

I find it super easy to use my PayPal credit account.

I find it super easy to use my PayPal credit account. Reviewed on: 15th April 2026

Lifesaver

Always available for the majority of purchases. Good protection Reviewed on: 15th April 2026

Amazing helpful and easy to use.

Amazing helpful and easy to use. Easy to set up and easy to set up direct debit and pay off. Reviewed on: 15th April 2026

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