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)

Hi lam using more than five years i’m very happy, th...

Hi lam using more than five years i’m very happy, thank you Reviewed on: 7th July 2026

I like 4 months 0% credit option.

I like 4 months 0% credit option. Also it very handy have physical card that give option to use it outside online. Reviewed on: 7th July 2026

paypals the best

ive had paypal since its first inception, and have bought goods and services with it, great company Reviewed on: 7th July 2026

It’s great to be able to spread the cost

It’s great to be able to spread the cost Reviewed on: 7th July 2026

Extremely helpful, patient and trustworthy

They’ve always been extremely helpful when I’ve had an issue Reviewed on: 7th July 2026

I use PayPal as my preferred payment method when buy...

I use PayPal as my preferred payment method when buying online.It's secure ,easy to use and instant 0percent short term credit potions are really useful gor some larger purchases Reviewed on: 7th July 2026

PayPal is easy to use and really helpful

PayPal is easy to use and really helpful when paying for high value items by allowing payments to be split into monthly amounts. Reviewed on: 7th July 2026

Amazing customer service team.

Any issues I’ve ever had, the customer service team are always there to help. Quickly and efficiently. Reviewed on: 7th July 2026

Cant fault it, works great, easy to use and helps ma...

Cant fault it, works great, easy to use and helps massively Reviewed on: 7th July 2026

It’s easy to just send money to family and friends b...

It’s easy to just send money to family and friends but also businesses all on the app. 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

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