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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)

Being a pensioner it has proved invaluable when I ha...

Being a pensioner it has proved invaluable when I haven't had the cash to get something that was desperately needed Reviewed on: 7th July 2026

I have had an excellent experience with PayPal.

I have had an excellent experience with PayPal. It is a secure, reliable, and easy-to-use payment platform. The checkout process is quick, and I feel confident when making online purchases because of PayPal's strong security and buyer protection features. One of the best features is PayPal Credit's 0% interest for 4 months on eligible purchases, which helps spread the cost without paying extra interest when payments are made on time. This gives great flexibility for managing larger purchases and makes online shopping more convenient. PayPal is accepted by thousands of retailers, and transactions are always smooth and fast. Overall, I highly recommend PayPal to anyone looking for a trusted and convenient payment service. It has made my online shopping experience much easier and more secure. Five stars! Reviewed on: 7th July 2026

Valuable service and good service

Valuable service and good service Reviewed on: 7th July 2026

Excellent service always

With PayPal I feel I always have an option that suits my needs depending on my situation. Reviewed on: 7th July 2026

A great app and great staff and super service produc...

A great app and great staff and super service product overall Reviewed on: 7th July 2026

PayPal, one great service for everyone.

No drama, great service and so easy.. Reviewed on: 7th July 2026

ok but very rarely let me use pay in 3 although they...

ok but very rarely let me use pay in 3 although they keep telling me to use it Reviewed on: 7th July 2026

Solid service inside one app, using it daily with no...

Solid service inside one app, using it daily with no issues. Reviewed on: 7th July 2026

PayPal makes payment very easy and affordable.

PayPal has made shopping and payment very easy and affordable for me. paying in three or four with 0 interest or by PayPal credit is great, am able to purchase necessary items affordably with affecting my credit negatively. As a mum who buys things for a special need child. Sometimes the items I purchase are very expensive but with PayPal payments systems I don’t even feel the pain of buying expensive but necessary items for my child or myself. Reviewed on: 7th July 2026

Simple and secure

Very secure and easy to use, so easy to access customer support through email and all queries I’ve had throughout the years of having PayPal have been dealt with promptly and resolved. Reviewed on: 7th July 2026

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