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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 experience

so far is good. I don’t have any bad experience Reviewed on: 15th May 2024

First choice paying for online shopping.

The wide range of payment options at zero percent interest for short term credit and affordable longer term are excellent. The detailed monthly statements show what has to be paid and when. Backed up with excellent customer service that is easy to escalate enable fast resolution of any issues. My first choice for online purchases. Reviewed on: 15th May 2024

Highly recommend!

I've been using paypal for years, especially paypal credit when I know I want something but just want to split the cost into smaller monthly payments! When it comes to customer service, I've never had an issue! They've always been able to help resolve conflicts or give me information as and when I need it! Reviewed on: 15th May 2024

Amazing service, very quick and easy to shopping.

Amazing service, very quick and easy to shopping. Highly recommended!!! Reviewed on: 15th May 2024

Paypal for the win

Always use PayPal for protection ease and different options wether I use PayPal in 3 for budgetting paying family and friends or/and using my PayPal credit on a good credit Reviewed on: 15th May 2024

Excellent work.

Excellent work. Just perfect for that can manage their finances well Reviewed on: 15th May 2024

Simply the best.

So easy, quick and fast. I also always feel safe when using paypal when paying for online purchases. Reviewed on: 15th May 2024

Easy to apply for and manage.

Easy to apply for and manage. Provides flexibility with payments and great benefit is that it’s available across almost all retailers/vendors. Reviewed on: 15th May 2024

Use it to upgrade my hifi

Use it to upgrade my hifi I can buy an item when I see it and sell my old one and just pay the difference after it sells very easy Reviewed on: 15th May 2024

It’s great, I never had issues and it’s working well...

It’s great, I never had issues and it’s working well so far Reviewed on: 15th May 2024

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