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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)

Great service easy to use

Great service perfect for everyday easy to follow and excellent service Reviewed on: 15th April 2026

Easy, hassle free!

Easy, hassle free! Easy to set up, they don’t hound you, highly recommend. Reviewed on: 15th April 2026

My experience is been excellent and i not had any co...

My experience is been excellent and i not had any complaints about it at all. Very fast and reliable service. Reviewed on: 15th April 2026

There for you

Reliable, quick, easy to use, clear instructions Reviewed on: 15th April 2026

Many payment options and rewards

So many benefits and options to pay with Paypal Credit, I love it ! Gives you more flexibility and freedom. Reviewed on: 15th April 2026

PayPal is a great and easy option

I value PayPal as a regular and easy option for payments when purchasing goods and services. Checkouts are fast and simple all my current commitments are shown in the app. My only real feedback is not having a hands on option for applying extra payments to where I want them and hoping PayPal knows what my intentions were when making those payments. Reviewed on: 15th April 2026

Reliable and flexible credit option

I’ve had a positive experience using PayPal Credit. It’s easy to use, especially for online purchases, and the flexibility to spread payments helps with cash flow. The application process was straightforward, and everything is clearly shown in the account. Overall, a convenient and reliable service. Reviewed on: 15th April 2026

Worth using

Good to use, however need to improve the access to accounts when you change your phone number Reviewed on: 15th April 2026

I’m very happy.

I’m very happy. I will be use PayPal every time because have excellent condition Reviewed on: 15th April 2026

Value for money

I’ve had pp for years now , always been value for what I need it for especially the pay in 3 Reviewed on: 15th April 2026

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