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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)

4-month interest free credit

4-months interest free credit is ideal for big purchases and helping spread the cost of everything. The pay in 3 option is also amazing when you need a little extra time Reviewed on: 7th July 2026

Excellent service.

Excellent service. Easy to use. Safe and trusted way of moving funds. Reviewed on: 7th July 2026

Very handy to use when funds are a bit low

Very handy to use when funds are a bit low Reviewed on: 7th July 2026

Highly recommended!

Easy to apply, quick acceptence, good clear communication, no isdues with repayment. Reviewed on: 7th July 2026

easy to use and when you need help with spread to co...

easy to use and when you need help with spread to coast its they in seconds Reviewed on: 7th July 2026

Helpful, convenient, no issues and staff are excepti...

Helpful, convenient, no issues and staff are exceptional in explaining and trying there best in every situation for a positive outcome. My number one go to! Reviewed on: 7th July 2026

Been with PayPal credit for a long period of time.

Been with PayPal credit for a long period of time. Love the 0% offer for 4 months Reviewed on: 7th July 2026

Spend money and earn points!

Such an easy way to pay you know where, when and how much , reminders sent out , points to be earned what’s not to love Reviewed on: 7th July 2026

Brilliant service

When I have had an issue with sellers, paypal have dealt with it quickly and effectively. Reviewed on: 7th July 2026

soooo easy to use

soooo easy to use with a choice of payment options with special offers Reviewed on: 7th July 2026

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