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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)

Great for big purchases

I used PayPal credit to pay for a big purchase. I enjoyed the 3 months free interest and the ability to pay as much as I wanted each month Reviewed on: 14th May 2024

Good i like PayPal Credit.

Good Reviewed on: 14th May 2024

Excellent, never had a problem and if I had a questi...

Excellent, never had a problem and if I had a question it’s quickly answered by paypal Reviewed on: 14th May 2024

Great service and secure

Great service easy to use, secure payment Reviewed on: 14th May 2024

Allows flexibility with reasonably low interest comp...

Allows flexibility with reasonably low interest compared to other lenders. Reviewed on: 14th May 2024

It was so easy it

It was so easy to apply for paypal credit and very quick result Reviewed on: 14th May 2024

Excellent experience good services thanks

Excellent experience good services thanks Reviewed on: 14th May 2024

Paypal Credit has always been there when I need it t...

Paypal Credit has always been there when I need it the most. Absolutely first class, easy to use service. Couldn't be happier. Reviewed on: 14th May 2024

Always ready to help, the staff at PayPal are always...

Always ready to help, the staff at PayPal are always helpful and polite. Reviewed on: 14th May 2024

Easy and safe, but money allocation needs explaining

I love PayPal credit, the service is easy to use. However allocation of payments and returned funds makes it hard to keep track of what you owe and what you are owed from refunds etc. Reviewed on: 14th May 2024

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