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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

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4.73

Based on 181,154 reviews, last reviewed 29th Sep 2026

65% decrease in 5 star reviews

in the past 90 days

53% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Best Customer service Best Customer service, and great value. Reviewed on: 29th September 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 (181154)

Pay with ease and security, the go to card when purc...

Pay with ease and security, the go to card when purchasing items online or at store. Reviewed on: 7th July 2026

I will recommend for my friends

I will recommend for my friends Reviewed on: 7th July 2026

Exceptional service.

Exceptionally easy to use, service is fantastic. Able to use it for payments without ever experiencing an issue. Would recommend it 100%. PayPal credit is fantastic value with its zero % interest over 4 months Reviewed on: 7th July 2026

So many options!

PayPay have been a fantastic lender with so many low to no interest options available. It's really helped me keep an eye on my finances while achieving my goals! Reviewed on: 7th July 2026

Great, feels like "free" money till I have to pay it...

Great, feels like "free" money till I have to pay it back Reviewed on: 7th July 2026

Gave me 0% interest for 4 months when I opened the a...

Gave me 0% interest for 4 months when I opened the account, as a first time credit account allowed me to build a healthy credit score. It was really easy to set up and any issues are easily dealt with through the app and customer service team. Reviewed on: 7th July 2026

Very easy and convenient to use with easy to use...

Very easy and convenient to use with easy to use app Reviewed on: 7th July 2026

I am using my PayPal Credit card on all my online sh...

I am using my PayPal Credit card on all my online shoping. Thats a great way to pay when you are short with money. Reviewed on: 7th July 2026

Have used PayPal for years, love the security and fl...

Have used PayPal for years, love the security and flexibility of payments. The pay in 3 has really helped me to budget my finances. Reviewed on: 7th July 2026

It's fast, it's safe and very easy to use it.

It's fast, it's safe and very easy to use it. Reviewed on: 7th July 2026

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