Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

View other PayPal products

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

Read all reviews Write a review

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.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.

Write a review

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)

Excellent

To pay over 3 payments is excellent Reviewed on: 15th April 2026

I know I'm in safe hands

Its just easy, straight forward and I know I'm getting what I need. It also keeps my personal information safe online. Reviewed on: 15th April 2026

Love papal so useful and helps me to budget when I c...

Love papal so useful and helps me to budget when I cant afford to pay in full, can pay 3 installments or credit Reviewed on: 15th April 2026

Being a PayPal customer is so assuring knowing my pu...

Being a PayPal customer is so assuring knowing my purchase payment are secure, and 4 months interest free is simply the best way to budget. Reviewed on: 15th April 2026

I’m genuinely very satisfied with PayPal Credit.

I’m genuinely very satisfied with PayPal Credit. Everything is simple, fast, and reliable. The payment process is smooth and completely hassle-free. The overall user experience has been excellent, and I haven’t faced any issues so far. It’s definitely one of the best services I’ve used, and I would highly recommend it to others. I’d give it a solid 10 out of 10 Reviewed on: 15th April 2026

Excellent.

Excellent. The experience with PayPal has been wonderful Reviewed on: 15th April 2026

Good team and idea and easy to use

Good team and idea and easy to use Reviewed on: 15th April 2026

Wonderful experience.

Wonderful experience. Fast service provider Reviewed on: 15th April 2026

Very easy to use, and great customer support when ne...

Very easy to use, and great customer support when needed Reviewed on: 15th April 2026

Have been with PayPal for years and have never had a...

Have been with PayPal for years and have never had any problems with them Reviewed on: 15th April 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Loan
from Snap Finance 4.81 from 370 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101312 reviews
Payments
from PayPal 4.72 from 3854 reviews
Credit card
from PayPal 4.66 from 126 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub