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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)

Highly recommended

It's easy to use, great offer , cashback . I Highly recommended to friend & family. Reviewed on: 7th July 2026

I have used pay in three for internal flights for my...

I have used pay in three for internal flights for my holiday to Australia Reviewed on: 7th July 2026

I like to pay for certain things on PayPal because I...

I like to pay for certain things on PayPal because I know I’m guaranteed to receive the item or a refund from PayPal so I know my money is secure Reviewed on: 7th July 2026

Very convenient way of payment.

Very convenient way of payment. The 4 months 0% interest is great. Reviewed on: 7th July 2026

Easy to use , with affordable payments!

Easy to use , with affordable payments! Reviewed on: 7th July 2026

I use PayPal daily for purchases.

I use PayPal daily for purchases. It makes it so much easier when you see you can pay by PayPal at an online checkout because it saves time and faff. Reviewed on: 7th July 2026

Paypal has been my go to for a long time

I have used PayPal credit and pay in three with delight. It has allowed me to get things I would normally have to wait for. Paypal as a whole makes life easier as a consumer. PayPal should be available to use everywhere, like Amazon for example. I have just been using PayPal for a long time and plan on using it more in the future. Reviewed on: 7th July 2026

Essential Paypal

PayPal has allowed me to spread costs for essential items in life making it more affordable and manageable. The interest free options allow me to fall into less debt other than using other credit lenders with high interest. Having an app with everything in 1 place which you can easily view all transactions, make payments and store payment details is amazing. Reviewed on: 7th July 2026

Gives people time to pay for what they want

Gives people time to pay for what they want Reviewed on: 7th July 2026

Great experience.

Great experience. PayPal credit is a very easy process. You can manage your spend very easily. The service you get is excellent. Reviewed on: 7th July 2026

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