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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)

Easy process to set up account, app is easy to...

Easy process to set up account, app is easy to use Reviewed on: 13th July 2026

I like PayPal Plus but struggle using PayPal Checkou...

I like PayPal Plus but struggle using PayPal Checkout sometimes Reviewed on: 13th July 2026

PayPal is always there for ease and fast payment

PayPal is always reliable and the interface is user friendly . It’s a great functional service . Top rated Reviewed on: 13th July 2026

Works for me

Very helpfull in terms of helping me with personal cash flow Reviewed on: 13th July 2026

Convenient and Simple

I have been using PayPal credit for a number of years. There are multiple options which make purchase payments flexible, and of course you are protected like a creidt card. You can opt to pay for the purchase as part of your next statement, or you can elects to pay the full balance in within 4 months. There are also Pay-In-3 options. This means you can make your payments in a way that suits your own finances. In the past this convenience only extended to vendors that accepted PayPal as a means of payment, but the introduction of the PayPal Credit Card has broken those barriers. Reviewed on: 13th July 2026

A Reliable and Convenient Financing Option

I have been using PayPal Credit for quite some time now, both in the past and for my recent purchases, and it has consistently delivered a great experience. It is easily one of the most convenient financing tools available today.What I Like About It:Smooth Integration: It connects seamlessly with my existing PayPal account at checkout.Interest-Free Windows: The 0% interest offer on purchases over a specific amount is a lifesaver for budgeting.Flexible Payments: It allows me to spread the cost of larger purchases over several months easily.Consistent Reliability: Having used it multiple times over the years, the process remains fast and predictable.My Experience:The application process was instant when I first started, and reusing it over time has been completely hassle-free. It gives me peace of mind knowing I have a reliable line of credit ready whenever I need to manage my cash flow for bigger expenses.If you already use PayPal and want a flexible way to pay over time, I highly recommend giving PayPal Credit a try. It has earned my trust through repeated, successful use. Reviewed on: 13th July 2026

It's quick and convenient paying online

It's quick and convenient paying online Reviewed on: 13th July 2026

Simple short term free credit is great

Simple short term free credit is great Reviewed on: 13th July 2026

No problems - it works!

No problems. Application process straight forward. Good integration with other services. Reviewed on: 13th July 2026

Easy to pay

Easy to pay for any purchases and transfer to another person Reviewed on: 13th July 2026

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