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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)

Paypal credit

I find PayPal credit really good if having to pay for something that is beyond my monthly budget. It allows me to later pay in full with no interest or make monthly payments over a period of time. Interest rates on paying monthly can be a bit high but the service and ease of use its provides justifies this for me. Reviewed on: 7th July 2026

I’ve had nothinggreat but good positive experience

I’ve had nothing but good positive experience Reviewed on: 7th July 2026

Never had any issues with my account and ive had it...

Never had any issues with my account and ive had it years. No spending problems and no security issues. Ever. Reviewed on: 7th July 2026

Easy to use

Easy to use credit option, widely available and good online account management Reviewed on: 7th July 2026

I've always used PayPal to pay my bills and buy thin...

I've always used PayPal to pay my bills and buy things on line and use there pay in 3 Reviewed on: 7th July 2026

I have used PayPal for years now and happy to contin...

I have used PayPal for years now and happy to continue going forward Reviewed on: 7th July 2026

Good and effective, reliable, easy access

Good and effective, reliable, easy access Reviewed on: 7th July 2026

The service and communication is always excellent.

The service and communication is always excellent. When I needed to talk with someone I didn’t have to wait long. Well done PayPal Reviewed on: 7th July 2026

Brilliant that I can send money to family for meal o...

Brilliant that I can send money to family for meal outcwhen they wouldn't take cash. Great for purchases to spead cost. Like that I can very easily make additiobal payments to bring debt down Reviewed on: 7th July 2026

PayPal makes life easier.

PayPal makes life easier.. Simple to use, I feel safe making online transactions and PayPal keeps my information secure. It’s my “go to” payment method for purchases and monthly recurring payments. Reviewed on: 7th July 2026

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