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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)

Great service

Great service and so easy to deal with Reviewed on: 7th July 2026

Accessible and seamless.

A very accessible purchasing option that has assisted my personal hobby interests. Reviewed on: 7th July 2026

PayPal Credit’s 4-month interest-free...

I’ve used PayPal Credit’s 4-month interest-free option several times and found it really useful. It’s a simple, flexible way to spread the cost of purchases, and as long as you pay it off within the 4 months, there’s no interest to pay. Highly recommended! Reviewed on: 7th July 2026

Great experience, used PayPal for years and never ha...

Great experience, used PayPal for years and never had any issues! Totally recommend! Reviewed on: 7th July 2026

I use PayPal credit for big ticket items that enable...

I use PayPal credit for big ticket items that enable me to spread the cost over a few months. My account is easy to manage and I’ve not had any problems and I will continue to use PayPal Credit in future. Reviewed on: 7th July 2026

Always helpful

When I’ve needed a payment plan Paypal has the right option for me Reviewed on: 7th July 2026

Not great bad experience and also huge fees

Not great bad experience and also huge fees Reviewed on: 7th July 2026

Very efficient system.

Very efficient system. Easy to use and makes purchases safe and secure Reviewed on: 7th July 2026

Love being able to pay through PayPal as it’s makes...

Love being able to pay through PayPal as it’s makes the transaction easier and i also know my money is protected should anything go wrong with the purchase Reviewed on: 7th July 2026

There always there when you need them customer servi...

There always there when you need them customer service is the best I've ever had to deal with any problem is sorted out quickly its very efficient Reviewed on: 7th July 2026

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