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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

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4.73

Based on 181,154 reviews, last reviewed 29th Sep 2026

65% decrease in 5 star reviews

in the past 90 days

53% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Best Customer service Best Customer service, and great value. Reviewed on: 29th September 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 (181154)

PayPal Credit is like having a credit card linked to...

PayPal Credit is like having a credit card linked to my PayPal account. It lets me make purchases and pay over time, but with interest. On the other hand, PayPal Pay in 3 splits my payment into three equal parts, interest-free. If I need longer-term financing, I’d go for PayPal Credit. But for short-term affordability, PayPal Pay in 3 is the way to go. Reviewed on: 13th May 2024

Happy PayPal user

Been PayPal user for many years and their service has always been outstanding Reviewed on: 13th May 2024

Easy and safe way to shop online, with benefit of fl...

Easy and safe way to shop online, with benefit of flexible repayment Reviewed on: 13th May 2024

No issues, helpful customer support

No issues, helpful customer support Reviewed on: 13th May 2024

Very easy to use, good customer service

Very easy to use, good customer service Reviewed on: 13th May 2024

It's very good for quick transactions and good for m...

It's very good for quick transactions and good for making payments and managing expenses with taking more time to clear the balance. Reviewed on: 13th May 2024

great service, have used for years and the app is re...

great service, have used for years and the app is really quick and efficient and it is really easy to manage my banking. Reviewed on: 13th May 2024

Good Credit Service

Good Credit Service easy to apply, immediate answer and limit, simple to use. Reviewed on: 13th May 2024

Easy to use, convenient and handy.

Easy to use, convenient and handy. Don’t need to worry about having a card to hand Reviewed on: 13th May 2024

PayPal is so easy to use.

PayPal is so easy to use. Payments made quickly and accepted by the majority of retailers Reviewed on: 13th May 2024

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