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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)

0% for 4 months makes sense.

It helps with adhoc expenses especially the 4 month 0%. Reviewed on: 14th May 2024

It helped me start my business!

It’s been fundamental in helping me start my business. I was able to cover some initial expenses thanks to PayPal credit. There’s so many unexpected costs that you don’t think of or that come out of nowhere, having PayPal Credit as a back up was a life saver as I could just pay it back at a later date. Reviewed on: 14th May 2024

Very convenient to pay for 99% of things.

Very convenient to pay for 99% of things. I have had issues with the PayPal credit service that are yet to be resolved. The PayPal app does not let me pay the credit statement balance correctly. Reviewed on: 14th May 2024

Love to use PayPal credit with 0%interest

Love to use PayPal credit with 0%interest Reviewed on: 14th May 2024

PayPal has been very helpful and great in my time of...

PayPal has been very helpful and great in my time of need Reviewed on: 14th May 2024

my purchases are protected.

I know that my purchases are protected. Checkout has always been smooth without issues. I have nothing to complain about. Reviewed on: 14th May 2024

Paypal & curve the best it can be

Paypal is gr8 way to pay for goods and food apps you also get buyers protection and even better if you have a curve card you can use it anywhere and get 4 months interest free credit every time you use it over a £99. Just brilliant!!!!!! Reviewed on: 14th May 2024

It so convenient ,very very useful.

It so convenient ,very very useful. Reviewed on: 14th May 2024

Quick and Easy to use, great customer service

Quick and Easy to use, great customer service Reviewed on: 14th May 2024

10/10 - very happy with service

Great credit with 4 months interest 3 and really handy to have pay in 3 option. Reviewed on: 14th May 2024

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