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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181153 reviews)

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4.73

Based on 181,153 reviews, last reviewed 21st Sep 2026

62% decrease in 5 star reviews

in the past 90 days

49% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really good and flexible account Really good and flexible account, easy to manage and view. I like that I can easily manage my transactions and use pay in 3 option that gives me more ... Read more Reviewed on: 21st 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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PayPal PayPal Credit reviews (181153)

Generally a great time, good app

Generally a great time, good app Reviewed on: 7th July 2026

Easy, quick and convenient way to shop.

Easy, quick and convenient way to shop. Pay in 3 and interest only options along with added bonus of the PayPal card suits all my needs. Money transfers are easy, safe and fully transparent. Access to account and various functions give you total control of how you spend your hard end money! Reviewed on: 7th July 2026

Paypal Credit when in a pickle

Paypal Credit helped me out when i was in a pickle and needed an upfront payment but not the funds at the time. After qualifying, it was quick and easy to process. Reminders when payments are due and an easy to use app! Would recommend using Paypal and all their services! Reviewed on: 7th July 2026

It would be a 10/10 if the pay in 3 was a permanent...

It would be a 10/10 if the pay in 3 was a permanent feature or a least an in depth reason as to way it’s been taken away as I’ve never missed a payment and I’ve lost the option Reviewed on: 7th July 2026

Quick cash, less faff

I have used paypal credit to fund a ps5 which resulted in my credit limit being increased as i made regular payments. I have also used paypal pay in 3 several times, with 0% interest, which has come in really useful when something suddenly goes wrong with my car. This is a brilliant way to give finance and removes all the faff of a signing up to a physical credit card. Reviewed on: 7th July 2026

Flawless Financing and Ultimate Convenience

PayPal Credit has completely transformed how I manage my larger purchases. The seamless integration at checkout makes financing straightforward, and the interest-free promotional periods offer incredible flexibility for my budget. It is safe, reliable, and gives me complete control over my payments. They truly deserve the title of Best Retail Finance Provider! Reviewed on: 7th July 2026

Best retail finance provider

Reliable, I like the spend notifications amongst other features Reviewed on: 7th July 2026

Credit where credits due

Easy to access, explained clearly, and great terms Reviewed on: 7th July 2026

It is reliable and customer friendly.

It is reliable and customer friendly. Easy to set up and use Reviewed on: 7th July 2026

I have excellent experience with PayPal

I have excellent experience with PayPal Reviewed on: 7th July 2026

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