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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)

I really appreciate something like PayPal credit as...

I really appreciate something like PayPal credit as it allows you to pay for things if you may not necessarily have the money for it. Reviewed on: 7th July 2026

I have been using PayPal for a while and on teh whol...

I have been using PayPal for a while and on teh wholle it is not bad however services come and go in particular pay-in-three Reviewed on: 7th July 2026

I feel confident using PayPal as the customer servic...

I feel confident using PayPal as the customer service is very good Reviewed on: 7th July 2026

Easy to use straight forward and timely updates when...

Easy to use straight forward and timely updates when payments are due Reviewed on: 7th July 2026

Straightforward

I have found the process of using PayPal credit, clear, responsive and straight forward. Monitoring your account is easy too.. Reviewed on: 7th July 2026

It’s a great way to spread payments

It’s a great way to spread payments Reviewed on: 7th July 2026

When I had an issue with my bank, the PayPal custome...

When I had an issue with my bank, the PayPal customer service staff were excellent in the help and advice they gave. I am unable to find any fault with that team. Reviewed on: 7th July 2026

I used PayPal credit when moving home and needing to...

I used PayPal credit when moving home and needing to buy some larger purchases. It was easy to set up and use Reviewed on: 7th July 2026

Easy to use.

Easy to use. I have virtual and physical card so when I forgot to bring my physical card, I can just use my virtual one. No panics. And easy to sort out my dispute with seller whenever the problem accrues Reviewed on: 7th July 2026

A great way to split the cost!

A great way to split the cost! Easy to access and a competitive interest rate. Reviewed on: 7th July 2026

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