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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181155 reviews)

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4.73

Based on 181,155 reviews, last reviewed 5th Oct 2026

75% decrease in 5 star reviews

in the past 90 days

73% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

been useing paypal for years and years been useing paypal for years and years Reviewed on: 5th October 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 (181155)

Very easy to use , Offers quick , Potential Drawback...

Very easy to use , Offers quick , Potential Drawbacks High Interest Rates: If the balance is not paid within the promotional period, interest rates can be high. Customer Service Issues: Numerous reviews highlight, long resolution times and difficulties with customer support. Hard Credit Check: Applying for the service will affect your credit score, as it triggers a hard credit inquiry. Payment Issues: Users have reported, issues with automatic payments, and problems with the functionality of the repayment system. Reviewed on: 15th April 2026

Very convienent way of offering credit and flexibility.

Very convienent way of offering credit and flexibility. Reviewed on: 15th April 2026

Simple to use and quick to get money

Simple to use and quick to get money Reviewed on: 15th April 2026

Always helpful, no quibble or hassel

Always helpful, no quibble or hassel Reviewed on: 15th April 2026

It is a good way to spread the cost of buying over t...

It is a good way to spread the cost of buying over time. Reviewed on: 15th April 2026

Easy to use

Was easy to set up , can use credit and pay up now , app is easy to use Reviewed on: 15th April 2026

Never have any problems with paypal.

Never have any problems with paypal. Pay in 3 is brilliant. Reviewed on: 15th April 2026

Fast and easy to apply for and.

Fast and easy to apply for and.i was easily approved, payments are well explained and I have been helped covering birthdays and Xmas and even shopp8ng using this service Reviewed on: 15th April 2026

Easy and clear transactions.

Easy and clear transactions. I needed to raise a request for a refund, I found the process very clear, easy and fast Reviewed on: 15th April 2026

Very pleased with PayPal options and services provided

Very pleased with PayPal options and services provided Reviewed on: 15th April 2026

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