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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)

It's great way to receive & send money safely.

It's great way to receive & send money safely. Reviewed on: 12th July 2026

I use it all the time for almost everything.

I use it all the time for almost everything. It is clear and easy to use! Reviewed on: 12th July 2026

PAYPAL IS VERY RELIABLE AND USEFULL FOR SENDING MONE...

PAYPAL IS VERY RELIABLE AND USEFULL FOR SENDING MONEY TO FAMILY FOR HOLIDAYS ETC.THE PAY IN 3 IS ALSO VERY USEFULL IT SPREADS THE COST OF LARGER ITEMS WHEN THE OLD ONES BREAK UNEXPECTEDLY. LAWN MOWER AND WASHING MACHINE FOR EXAMPLE. Reviewed on: 12th July 2026

Great credit option

Using PayPal credit has allowed me more freedom to buy the things I want and need ,with a manageable repayment plan . The interest free period gives extra time to pay off the money spent . It's working well for me Reviewed on: 12th July 2026

Great portal for managing payments

Great portal for managing payments Reviewed on: 12th July 2026

Easy to use with no stress!

Easy to use with no stress! Perfect way to help out with some extra credit when needed. Reviewed on: 12th July 2026

Always reliable, no issues with any thing,

Always reliable, no issues with any thing, definitely give me piece of mind that I m protected when buying online, paying by direct debit monthly is great but also like i am able to pay all in one payment if I so wished Reviewed on: 12th July 2026

Convenient for online shopping.

Convenient for online shopping. I’ve been using it for a short while. No complaints. I like everything about it. I recommend it. Reviewed on: 12th July 2026

Flexible and Straightforward Service

I've had a very positive experience using PayPal Credit. It's simple to use, the application process was straightforward, and managing payments through my PayPal account is easy. The option to spread the cost of purchases has been very helpful, especially for larger items. The service has been reliable, transparent, and convenient, and I would recommend it to anyone looking for a flexible payment solution. Reviewed on: 12th July 2026

Using paypal since over 10 years easy simple clear n...

Using paypal since over 10 years easy simple clear no hidden messages straight forward as it should be Reviewed on: 12th July 2026

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