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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)

Easy to use app , excellent customer service :-)

Easy to use app , excellent customer service :-) Reviewed on: 12th May 2024

Fair credit

Fair rates and no issues with any payments or problems I've had Reviewed on: 12th May 2024

Really easy to use.

Really easy to use. Hassle free and helped me get my laptop for a great deal Reviewed on: 12th May 2024

Completely convenient.

Completely convenient for online shopping. Love having time to pay without interest charges Reviewed on: 12th May 2024

Good service would recommend for spreading the cost...

Good service would recommend for spreading the cost of larger purchases Reviewed on: 12th May 2024

Good Status

Its a great way of buying things Reviewed on: 12th May 2024

OmarAhmad

Very they cant wait money they church me quickly Reviewed on: 12th May 2024

PayPal Credit is very useful

PayPal Credit has been very useful, especially with pay in three options and how I can pay early if needed. In addition having 0% rates on certain products is perfect and really helps relax any money issues! Reviewed on: 12th May 2024

Easy to set up and manage, an excellent tool!

I love the option to pay back interest free if the bill is payed by a certain date. The ability to set up various payment methods and flexible payment plans is also excellent, it's a very useful tool for me as an active buyer and gives breathing room for repayment. Reviewed on: 12th May 2024

Nice for quick credit for short term 0% intrest

Nice for quick credit for short term 0% intrest Reviewed on: 12th May 2024

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