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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)

I have had nothing but a great experience with PayPa...

I have had nothing but a great experience with PayPal and PayPal credit. It's really helped me out like recently when I broke my phone and decided to get a new one but didint have the money. The instalments are fair and easy to payback, plus it's interest free if paid back in 4 months Reviewed on: 15th May 2024

Very easy to set up and excellent value for money!

Very easy to set up and excellent value for money! I love how each seperate transaction has its own 4 month interest free facility instead of just lumping every transaction together like a traditional credit card would. So smart - I’ll keep using PayPal credit from now on… Reviewed on: 15th May 2024

PayPal is quick and easy...

PayPal is quick and easy to setup and use for payments with the added benefit that your payments are secure. Reviewed on: 15th May 2024

Love PayPal always reliable and with so many shops y...

Love PayPal always reliable and with so many shops you can use them in it’s just great to have the additional payment method always available. Reviewed on: 15th May 2024

Using PayPal (Credit) is a flawless process from sta...

Using PayPal (Credit) is a flawless process from start to finish. Once you are approved and have your credit limit set, you can start buying almost anything on PayPal credit. Some of the things you buy are interest free for the first 3/4 months which makes repaying it way easier. It is important to be mindful and not overspend just because it is bought on credit. through PayPal credit I have improved my credit score massively by paying everything quite frequently and paying big chunks at once. Lastly, the repayment process is really easy and the minimum amount is usually always quite low, but I would recommend to try and pay everything off almost instantly or in bigger chunks to maintain a healthy balance. Reviewed on: 15th May 2024

Perfect if your good with money and managing payments

I find this great just need to be good with your money and managing payments - find the flexibility of splitting over 3 months interest free perfect in the current financial climate Reviewed on: 15th May 2024

Efficient and convenient

PayPal is fast and efficient payment method. It is also secure and very common amongst online merchants. PayPal credit offers value through interest free payment periods. Reviewed on: 15th May 2024

Flexible credit choices very good

Flexible credit choices very good Reviewed on: 15th May 2024

Efficient and reliable and also trusted

Efficient and reliable and also trusted Reviewed on: 15th May 2024

Never had any issues, made multiple purchases on Pay...

Never had any issues, made multiple purchases on PayPal Credit flawlessly. Reviewed on: 15th May 2024

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