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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)

Happy customer

Easy and smooth transaction. My application has been accepted straight away Reviewed on: 7th July 2026

I have used PayPal for years and have never had a pr...

I have used PayPal for years and have never had a problem. I have used pay over few months service. I feel confident in the security of paypal Reviewed on: 7th July 2026

Easy to use, trusted, secure, highly recommended, I...

Easy to use, trusted, secure, highly recommended, I had good experience with them, easy to obtain a credit Reviewed on: 7th July 2026

Provides a good convenient service.

Provides a good convenient service.. I have been using PayPal for a long time. Reviewed on: 7th July 2026

0% for 4 month - amazing

Love the options pay in 3 or even 0% for 4 month. Helps to get what you need now but spread the cost Reviewed on: 7th July 2026

Easy to use

Easy to use, friendly and helpful customer service Reviewed on: 7th July 2026

Amazing value

I have used PayPal to make purchases and receive payments. PayPal has also been used for PayPal credit and pay in three. The interest free offers make it affordable. The fact you can now have a card and use it in shops is just amazing. Reviewed on: 7th July 2026

PayPal credit is Legendary!

Excellent experience with PayPal, the ability to use their virtual credit card is amazing, I can have PayPal protection wherever I shop now, also the 4 month interestt free with Apple Pay using the virtual card is such good value! Reviewed on: 7th July 2026

Easy to set up and use.

Easy to set up and use.Eases the burden of a single large transaction,plus the security provided by Paypal gives me peace of mind while shopping online. Reviewed on: 7th July 2026

Excellent product, only suggestion would be to allow...

Excellent product, only suggestion would be to allow further vendors to accept this card. I tried to use the card in a local super market, which did not allow to complete the transaction. Also, may be an idea to introduce balance transfer and transfer to bank account. Reviewed on: 7th July 2026

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