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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)

Good and flexible, never had any issues

Good and flexible, never had any issues Reviewed on: 15th April 2026

What are you waiting for?

An easy and hassle free free as always from PayPak. I’d reccomed. Reviewed on: 15th April 2026

Good interest rates & good customer service

Good interest rates & easy to contact customer services, which are helpful & explain everything clearly. DD’s could be taken ON the date though, as opposed to a few days later usually, sometimes even up to a week (just for budgeting, really!) Reviewed on: 15th April 2026

PayPal money at your fingertips

Very easy to use and except anywhere Reviewed on: 15th April 2026

They have a fault in their pay in 3 where many custo...

They have a fault in their pay in 3 where many customers were affected but they dont want to admit or fix it. They keep saying its credit score but it isn't. It has to do with their system Reviewed on: 15th April 2026

Good start , but tell us little more

Good start , but tell us little more Reviewed on: 15th April 2026

Brilliant!!! 10 out of 10

Brilliant!! I’ve had a really good experience with PayPal Credit. It’s just made things so much easier when I don’t want to pay for everything upfront, especially on bigger purchases. Whether it's using the Pay in 3 option when paying for items at checkout online, or using the virtual credit card in my account wallet when paying for purchases in person or online. It’s super simple to use — it’s just there at checkout, no messing around — and I like that you can spread the cost without interest if you stay within the offer period. That’s been really helpful for me. The app’s easy to keep on top of as well, so I can check what I’ve spent and make payments without any stress. As long as you stay organised with repayments, it works really well. Overall, it’s just a really handy option to have and I’d definitely recommend it if you want a bit more flexibility without overcomplicating things. Reviewed on: 15th April 2026

Great easy to use would recommend

Great easy to use would recommend Reviewed on: 15th April 2026

Smart money

Smart way of buying & sending money Reviewed on: 15th April 2026

I like PayPal payment because its safe.

I like PayPal payment because its safe. Reviewed on: 15th April 2026

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