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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 review

Absolutely marvellous service. Great secure payment giving excellent piece of mind Reviewed on: 14th May 2024

PayPal credit is easy to use and manage.

PayPal credit is easy to use and manage. It allows me to pay safely and securely and then spread the cost over a few months making higher cost items accessible Reviewed on: 14th May 2024

Very helpful.

Good reliable and helpful. I like that it provides credit option. It has helped me a lot. Reviewed on: 14th May 2024

Love the app.

Love the app. Quick resolutions when have a query Reviewed on: 14th May 2024

Helpful way to spread our money costs

Helpful way to spread our money costs Reviewed on: 14th May 2024

Protected and easy payments

Very easy to use ,secure payments and clear information on balance on accounts Reviewed on: 14th May 2024

Nearly perfect but not quite there yet

It's difficult to contact a human when there is an issue. Transactions are either really fast or slow. Why can't all Transactions be fast? Reviewed on: 14th May 2024

Most Reliable Credit

Applying for PayPal Credit is a seamless process, offering instant approval of your balance for immediate use whenever required. Paypal provides unparalleled convenience by allowing you to split payments into manageable installments, coupled with exclusive no-interest periods not available elsewhere in the market. With PayPal, rest assured of the highest level of customer protection. Embrace the future of credit with PayPal. Reviewed on: 14th May 2024

Fast and simple

Fast and simple steps , credit limit increased in less than 1 year when i paid back my credits Reviewed on: 14th May 2024

Makes things a little easier when I need things but...

Makes things a little easier when I need things but can't afford them Reviewed on: 14th May 2024

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