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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)

The best

Great for paying in installments free interest helps so much Reviewed on: 11th May 2024

I like their credit system to consume but I don't ge...

I like their credit system to consume but I don't get credit increased offer since I started with them. Reviewed on: 11th May 2024

PayPal credit has been there when I've struggled and...

PayPal credit has been there when I've struggled and helped me get through some difficult months money wise. Reviewed on: 11th May 2024

Easy to set up and easy to use and manage.

Easy to set up and easy to use and manage. Especially useful for short term interest free funding. Reviewed on: 11th May 2024

PayPal , a great Trading Platform for all users alike.

I use PayPal most days for transactions, paying and receiving and I have every confidence in using them whenever I can. Using PayPal as a payment platform is so straightforward. The payment options provided help me to budget my transactions. Reviewed on: 11th May 2024

Easy to use, quick and efficient!

It's fast and easy to send money to friends and family. Never had any problems, withdrawals to your bank are instant and free. I always tell people to sign up for a PayPal account as they're so useful and they can get a bonus for signing up if they're referred by a friend. Reviewed on: 11th May 2024

Customer happy

Since I became a customer of paypal, I have gained more confidence and less worry when I am making an online purchase and my personal data secure through paypal. Reviewed on: 11th May 2024

I have had PayPal credit for a few years now, it is...

I have had PayPal credit for a few years now, it is far better and cheaper than a credit card. I get a special rate, which is less than a 3rd of credit cards ans sometimes 0%.. By far the best. Reviewed on: 11th May 2024

Just Great

It's just great but I'd like to see the return of pay in 3 Reviewed on: 11th May 2024

Very easy to use

Quick decision and very easy to use. The app is well thought out with all my spending clear to see and up-to-the-minute information available at the click of a button. Very happy with the service provided. Reviewed on: 11th May 2024

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