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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)

Majority of the time had no issues

Only had one issue where I paid my credit but some technical issue confused things. All other times I’ve used it, it’s been really simple and easy to use. Reviewed on: 14th May 2024

Money Management and Expenses Breakdown

Very easy to use, very helpful in managing payments and breaking your surprise expenses into smaller payment. Reviewed on: 14th May 2024

Perfect to help tackle interest rates

Great for small to medium purchases I know I'm able to pay back within a few months to avoid interest. Reviewed on: 14th May 2024

It’s simple, transparent convenient.

It’s simple, transparent convenient. With the options to pay outright or in instalments. On a handy app, what’s not to like, Reviewed on: 14th May 2024

Perfect service, reassuring security cover.

Perfect service, reassuring security cover. Reviewed on: 14th May 2024

PayPal has been excellent for me.

PayPal has been excellent for me. Easy to use and different options of paying...like pay in 3! Reviewed on: 14th May 2024

Paypal has helped me when I needed it the most.

Paypal has helped me when I needed it the most. I needed new clothes for a new job that I started. When you you look great, you feel great. Thanks to Paypal I was able to go on a much needed holiday. Paypal was on hand when family birthdays came up, I was able to send money to loved ones. I would recommend anyone to join. Reviewed on: 14th May 2024

Easy and flexible finance at 0% interest!

PayPal credit is great - easy to use, can use it on so many online stores and there are a few options available such as Pay in 3, 0% interest for 4 months, and sometimes I take advantage of longer term interest free agreements. Reviewed on: 14th May 2024

Excellent need money paypal credit is there to use u...

Excellent need money paypal credit is there to use until you can pay back Reviewed on: 14th May 2024

Great user experience.

Great user experience. Very easy to use and very good credit options. Loyal to their customers Reviewed on: 14th May 2024

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