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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)

Brilliant and straight forward.

I’ve been using PayPal Credit for a while now, and I have to say it’s been a genuinely handy addition to how I manage online purchases. What I appreciate most is how effortlessly it fits into my usual PayPal checkout. There’s no extra card to carry around, no separate account to fiddle with — it’s just there when I need it, and out of the way when I don’t.The 0% interest offers are easily the biggest draw. Being able to spread the cost of something over a few months without paying any interest feels refreshingly fair. It’s ideal for those slightly bigger buys where you don’t want to empty your bank account in one go, but you also don’t want to get tangled up in long‑term credit.Everything on the management side is straightforward too. The statements are clear, payments are simple to organise, and it’s all handled through the same PayPal dashboard I already use. There’s no faff, no confusing jargon, and no hidden hoops to jump through.Overall, PayPal Credit has been reliable, easy to use, and genuinely useful. It’s become one of those tools I turn to when I want a bit of flexibility without overcomplicating things. Used sensibly, it’s a solid way to keep purchases manageable and your budgeting on track. Reviewed on: 7th July 2026

Always had a great service from PayPal Credit.

Always had a great service from PayPal Credit. No issues or problems which is one less thing to worry about. Different payment options give you the choice of repayment which is really useful. Reviewed on: 7th July 2026

Excellent and easy to use.

Easy to use and online app means you control how much you pay back and when and it’s all there for you to view so easy to use. Reviewed on: 7th July 2026

PayPal is so helpful for me when purchasing online,...

PayPal is so helpful for me when purchasing online, it’s quick, easy and efficient Reviewed on: 7th July 2026

Great service who doesn't take advantage.

It's a very good tool and service offering both pay-in-3 and 0% interest for 4 month deals. No more worrying with them around, would highly recommend them as its came in so handy in an emergency thanks to the offers always linked with PayPal credit. Reviewed on: 7th July 2026

It’s very easy to use and flexible

It’s very easy to use and flexible Reviewed on: 7th July 2026

Eady preapproved options to choose just when I need.

Eady to pick an option that fits best for my needs. It is great to have preapproved options I can use when I need and I can decide to use just at the time of purchase. Reviewed on: 7th July 2026

Quick, ease of use any issues are dealt with efficie...

Quick, ease of use any issues are dealt with efficiently Reviewed on: 7th July 2026

Great and safe way to pay for goods

Great and safe way to pay for goods Reviewed on: 7th July 2026

Highly recommend

PayPal is very secure and reliable and offers many options with PayPal credit. Highly recommend Reviewed on: 7th July 2026

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