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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)

Flexible and Convenient Payment Option

I’ve had a very positive experience using PayPal Credit. The application process was straightforward, and the account was quick to set up. I like how easy it is to manage everything through the PayPal app, with clear information about my balance, payments, and due dates. The interest-free promotional offers on eligible purchases have been particularly useful, allowing me to spread the cost of larger purchases without unnecessary hassle. Payments are simple to make, and I’ve found the service reliable and convenient. Overall, PayPal Credit has been a flexible and easy-to-use payment option, and I’d happily recommend it to anyone looking for a straightforward way to manage purchases responsibly. Reviewed on: 7th July 2026

Very easy to use and have had no problems with PayPa...

Very easy to use and have had no problems with PayPal Credit or pay in 3 Reviewed on: 7th July 2026

Easy to use and to set up.

I’ve used PayPal credit quite a few times for larger items that are not necessarily budgeted for. This spreads the cost and lets me do things sooner. Easy to set up and keep payments on track as communication is good and you can set up the system to take automatically so you can’t forget. Reviewed on: 7th July 2026

I’ve been a PayPal customer for over 10 years and I...

I’ve been a PayPal customer for over 10 years and I can’t imagine life without it. The benefits are amazing and it has now got even better with the addition of the physical card - paying in-store now is just as easy as paying online. . It is reliable, secure and incredibly convenient. I highly recommend PayPal to anyone looking for a simple and trusted way to manage their payments. Reviewed on: 7th July 2026

Quick and easy.

Quick and easy. No hassle. App smooth to use. Reviewed on: 7th July 2026

Its easy to use and its help a lot if you want buy s...

Its easy to use and its help a lot if you want buy something. Im so happy to have it Reviewed on: 7th July 2026

PayPal has been so easy to use...

PayPal has been so easy to use right from the beginning, I have never felt unsure about using PayPal it’s always felt safe Reviewed on: 7th July 2026

Very good

Very good service all round, don’t have any issues Reviewed on: 7th July 2026

PayPal is versatile, you can send money to friends,...

PayPal is versatile, you can send money to friends, purchase goods or services very quickly. They have great security and buyer protection too. Reviewed on: 7th July 2026

Transactions

Transactions & refunds dealt with efficiently Resolutions take too long Reviewed on: 7th July 2026

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