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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)

Absolutely amazing experience really easy to use and...

Absolutely amazing experience really easy to use and no hassle and stress Reviewed on: 15th April 2026

Really simple and clear to use.

Really simple and clear to use. Makes spending over time a lot easier and love the no interest option for a certain period of time. It’s now my go to for larger purchases. I would like an option to select which purchase I want to pay off but it does take it off the one which is due soonest so that makes sense. Reviewed on: 15th April 2026

Credit with flexibility

Having PayPal credit has given me the flexibility to purchase items and concert tickets without the need to pay straight away. It's extremely easy to manage and easy to use. I didn't want a credit card but having everything in one app is great! Reviewed on: 15th April 2026

Easy to use app

Easy to use app very convenient way to send money and make purchases Reviewed on: 15th April 2026

Seamless transaction direct from merchant site

Seamless transaction direct from merchant site Reviewed on: 15th April 2026

Simple and convenient.

Simple and convenient. Easy to select payment options. Reviewed on: 15th April 2026

Allwa,s easy to use it and easy to calculate and pay...

Allwa,s easy to use it and easy to calculate and pay back Reviewed on: 15th April 2026

Great support use paypal for everything now great su...

Great support use paypal for everything now great support and keeps my money safe Reviewed on: 15th April 2026

I nearly got scammed and the customer services team...

I nearly got scammed and the customer services team member stopped it before it happened and helped me identify what to watch out for. Payments are easy and transparent, PayPal Credit has helped me in a few tight spots as a single mother, for example to buy oil for our heating. The App is easy to use and payments are easy to make. Highly recommend! Reviewed on: 15th April 2026

Everything it's easy and simple, so convenient and r...

Everything it's easy and simple, so convenient and reliable. Reviewed on: 15th April 2026

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