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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)

Fantastic and easy to use app makes moving money ver...

Fantastic and easy to use app makes moving money very easy as well as making it my main use for purchasing goods Reviewed on: 15th May 2024

Holiday to Mexico

Helped me with a lovely holiday to Mexico - allowed me to pay in interest free installments. Would recommend! Reviewed on: 15th May 2024

I can count on PayPal

PayPal credit is amazing and I am glad I am able to use it when needed Reviewed on: 15th May 2024

very flexible financial service!

Flexible payments of 0% over 3 months is very helpful with purchases. Paypal also raises your limit when requested should your credit score be good enough. If there ever are any problems with purchase, Paypal customer service is excellent at handling returns and refunds. Always use Paypal as a seller as well, the fees are much more reasonable than lets say ebay, it provides protection for both buyer and seller. Reviewed on: 15th May 2024

Top notch

Great service from I joined and continues to get better Reviewed on: 15th May 2024

smooth & easy

It's very smooth to use. Really well content. Most of the webshops I can use it which is convenient. Reviewed on: 15th May 2024

Easy to use

Easy to use. Always interesting fee option. And fast service all around Reviewed on: 15th May 2024

0% interest for 3 years!

Offering 0% interest for 3 years is a bonus in this day and age. So I happy took the offer when it was offered to me. Reviewed on: 15th May 2024

PayPal credit helped me a lot!

PayPal credit helped me a lot :) It’s quite painful for pocket to pay current rent and book Airbnb in advance at the same time (as I book for a month or two usually). But with PayPal credit my pocket feels very comfortable:)) Reviewed on: 15th May 2024

Easy to use and safe

Easy to use and safe. Keeps me up to date on everything Reviewed on: 15th May 2024

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