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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)

It’s great and easy to use and setup.

It’s great and easy to use and setup. I used everywhere I can as it’s very easy to use online. Reviewed on: 7th July 2026

Good but app is at times confusing.

Good but app is at times confusing. Reviewed on: 7th July 2026

Very efficient, ease of use and great flexibility.

Very efficient, ease of use and great flexibility. Reviewed on: 7th July 2026

My financial buffer!

I can manage my payments as I can use the PayPal as my method of payment, then money can be deducted from my account later. My new favourite is the 0% APR for 4 months. This gives me an opportunity to spread my costs and pay for my shopping during my maternity leave recently when I was getting half my salary. I barely felt the gap Reviewed on: 7th July 2026

PayPal credit

I use the pay in 3 a lot it helps instead of making a large payment spread it to 3 Reviewed on: 7th July 2026

Use PayPal everywhere

Very easy to use PayPal anywhere.you know it’s safe and the 4 month easy payment fantastic Reviewed on: 7th July 2026

Great for online purchases

Easy purchases with options to spread costs on higher priced items over 3 months interest free, can be tricky to raise a query online I feel being able to speak to someone more reassuring Reviewed on: 7th July 2026

Efficient way of money transfers

No issues at all . Sending and receiving money is easy and fast Reviewed on: 7th July 2026

Good account and service

Always a good experience I am pleased to say Reviewed on: 7th July 2026

Quick and straightforward service, friendly team, an...

Quick and straightforward service, friendly team, and excellent understanding of individual situations. Reviewed on: 7th July 2026

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