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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)

Useful to have

Pay pal is very useful to have for day to day use & Paypal credit & pay in 3 is great for more experience purchases Reviewed on: 7th July 2026

Payments and interest are reasonable.

Payments and interest are reasonable. Reviewed on: 7th July 2026

I have used PayPal for over 20 years and been happy...

I have used PayPal for over 20 years and been happy with the service….in fact I would go further and say delighted, Ever transaction has been smooth and seem less without any issues Reviewed on: 7th July 2026

Easy to use and access

Easy to use and access , had no issues Reviewed on: 7th July 2026

Paypal is easy and best service out there they provi...

Paypal is easy and best service out there they provide best services and are accepted widely.there 4 month 0 percent intreast free service is best. Reviewed on: 7th July 2026

PayPal Credit Recommendation

PayPal Credit is so easy to us, decent interest rate and paying back is simple. it is easy to set up a direct debit of minimum payments or payment of your choice. Before setting up a direct debit I missed a payment and the costumer service team were amazing at telling me my options when struggling no financially. Reviewed on: 7th July 2026

Flexibility in payment plans

PayPal credit has allowed me to buy more expensive, one off items, such as birthday or Christmas presents and select an appropriate payment plan to suit my budget. Reviewed on: 7th July 2026

Can’t recommend PayPal enough

Was exceptionally easy to apply, funds made available instantly, purchasing very easy and repayments are accessible for all especially those that aren’t as confident in using technology, reminders of when the payments are due are the right amount not to be overbearing. Reviewed on: 7th July 2026

I find pay pal very easy to use , making payments ea...

I find pay pal very easy to use , making payments easily and quick on the app Reviewed on: 7th July 2026

Found the PayPal credit experience easy and protecti...

Found the PayPal credit experience easy and protection good Reviewed on: 7th July 2026

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