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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)

Paypal is my most flexible way of paying for goods b...

Paypal is my most flexible way of paying for goods be it for making online payments, spreading the cost of online purchases with pay in 3 or via the online or physical card giving 4months credit Reviewed on: 15th April 2026

Used PayPal for years and love PayPal credit

Used PayPal for years and love PayPal credit Reviewed on: 15th April 2026

Khan sajida

Very easy to use good customer service Reviewed on: 15th April 2026

Always quick and easy payments, no fuss with credit...

Always quick and easy payments, no fuss with credit and simple clear payback.cant think highly enough of them. Reviewed on: 15th April 2026

Always on point and never had any issues

Always on point and never had any issues Reviewed on: 15th April 2026

Always reliable.

Always reliable. Very happy with possibility to have it if need it. Reviewed on: 15th April 2026

I have used PayPal Credit for payments and overall t...

I have used PayPal Credit for payments and overall the experience has been good and easy to use. The app is simple and payments are processed quickly. However, the interest rates can become quite high if you don’t pay on time, and sometimes the information is not very clear. Overall, it’s useful but should be used carefully.” Reviewed on: 15th April 2026

No hassles, easy to use payment/credit service

I have been a PayPal customer for many years, the service is very reliable, communication is easy and the app and website are easy to use and manage payments.I have in the past used email addresses to send and recieve money which I found really helpful. PayPal is available at checkouts on lots of online stores which I would always prefer to use. PayPal pay in 3 credit is also helpful at times, better than a pay monthly credit card purchase. PayPal credit often offers 4months interest free credit for certain purchases which is great. Reviewed on: 15th April 2026

My bills

Easy to talk to someone if you need advice or you don't understand or confused and you order something I find PayPal very easier to pay Reviewed on: 15th April 2026

Paypal credit has helped me when I needed it most.

Paypal credit has helped me when I needed it most. From paying for many things thag i needed. Thank you Reviewed on: 15th April 2026

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