Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

View other PayPal products

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

Read all reviews Write a review

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.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.

Write a review

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)

Easy to use at check out.

Easy to use at check out. Clear repayment information and advice around only paying minimum repayments. Reviewed on: 7th July 2026

Ease of use

Easy to use , you can spread the cost to help pay for those things you want, app is very easy to use. Reviewed on: 7th July 2026

Pay pal is quick and secure way to pay for goods.

Pay pal is quick and secure way to pay for goods. Paypal credit helps spread the cost of more expensive items. Reviewed on: 7th July 2026

Easy to use

Easy to use and qualify for credit, good reminders when a payment is coming up. Reviewed on: 7th July 2026

PayPal credit has been a life saver

PayPal credit has been a life saver for at times when I needed to purchase items or trips for my family knowing I have the peace of mind of 4 months interest free. Reviewed on: 7th July 2026

Easy to arrange, convenient, cheap finance.

Easy to arrange, convenient, cheap finance. Reviewed on: 7th July 2026

Always a good experience

Been using PayPal for many years and can honestly say I have never had a problem if trouble with someone I have brought from they always help with getting my money back Reviewed on: 7th July 2026

Paypal is my pal

Clean design and great options. Easy to use and flexible Reviewed on: 7th July 2026

Quick easy and helps spread the cost

Quick easy and helps spread the cost Reviewed on: 7th July 2026

Paypal is always there when you need itt.

Paypal is always there when you need it. With your account set up it's really easy to make a transaction and I feel safe knowing there's security back up and buying protection. Reviewed on: 7th July 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Loan
from Snap Finance 4.81 from 370 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101312 reviews
Payments
from PayPal 4.72 from 3854 reviews
Credit card
from PayPal 4.66 from 126 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub