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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)

Quick and intuitive app.

Quick and intuitive app. Pay in 3 is useful Reviewed on: 15th April 2026

Looking after my payments

It helps me to get purchases and provide me a way in not missing the money in order three payments. Keeping everything in one place. So I know what I owe. Then have no charges as its there looking after my account. So I can get on with my day knowing PayPal looking after my payments. Reviewed on: 15th April 2026

Easy to use finance .

Always easy to pay for something expense and spread the cost interest free. You can easily see what have paid and what you owe Reviewed on: 15th April 2026

Great rates and helps keep me out of debt!

Great rates and helps keep me out of debt! Reviewed on: 15th April 2026

Love the cash back on my spending

Love the cash back on my spending Reviewed on: 15th April 2026

Managing spending and control of finances

Transactions are always very efficient and simple to understand with up to date notifications of amounts paid and future payments clearly outlined and Paypals pay in 3 is very useful Reviewed on: 15th April 2026

Highly recommend

I have used PayPal for many years but I find paypal credit very reliable and easy to use and it works for me with their great rates ! Reviewed on: 15th April 2026

Had an issue involving an over payment on my credit...

Had an issue involving an over payment on my credit account. I over paid but ended up having to buy a car so they refunded me the over payment to help with this Reviewed on: 15th April 2026

No hiccups for any transaction.

No hiccups for any transaction. Extremely accommodating and helpful in purchases Reviewed on: 15th April 2026

I have had a PayPal account for almost 20 years, its...

I have had a PayPal account for almost 20 years, its my first option when making a purchase online or Retail with my PayPal Debt card, I always know PayPal has my back and that is why I highly recommend PayPal. Reviewed on: 15th April 2026

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