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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 offers a convenient way to manage purc...

PayPal Credit offers a convenient way to manage purchases and spread out payments. It's a flexible option that can be quite useful for larger transactions. The application process is generally straightforward, and approval is often quick. Having access to this credit line can provide peace of mind for unexpected expenses. Overall, it's a valuable tool for online shopping and financial planning. Reviewed on: 7th July 2026

I never worry with PayPal.

I never worry when I use PayPal. The customer service is fantastic . They take there time and explain everything, so that I can understand it. Reviewed on: 7th July 2026

Excellent

Great when purchasing from internet takes the stress out of it Reviewed on: 7th July 2026

great clear service easy to use open and honest

great clear service easy to use open and honest Reviewed on: 7th July 2026

PayPal is a great way for unexpected needs

PayPal is a great way of getting things and pay over a period of time as life is not straightforward every month and things happen you didn't plan for in your budget and it would be harder for us if we didn't have this opportunity... With options such as 3 payments in 3 months or PayPal credit for the bigger shipping. Reviewed on: 7th July 2026

Really easy and simple to use and helps me spread th...

Really easy and simple to use and helps me spread the cost on items when on a budget Reviewed on: 7th July 2026

Transactions should come out instantly .

I like PayPal credit but I don’t like how long it takes for transactions to come out of my account. It would be better if they were instant Reviewed on: 7th July 2026

using PayPal for years very reliable

using PayPal for years very reliable Reviewed on: 7th July 2026

It is very easy to use.

It is very easy to use. I had a card which l have added to apple pay an even quicker checkout Reviewed on: 7th July 2026

Fabulous payal

PayPal is a fabulous credit facility. Being able to use on your phone now is so beneficial. Anytime I’ve had an issue it’s been resolved very quickly. Reviewed on: 7th July 2026

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