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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181155 reviews)

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4.73

Based on 181,155 reviews, last reviewed 5th Oct 2026

75% decrease in 5 star reviews

in the past 90 days

73% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

been useing paypal for years and years been useing paypal for years and years Reviewed on: 5th October 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.

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 (181155)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024

Innovative and flexible services

I love the flexibility and innovation they have been working on the last year or two. Simple and easy to use platform and great service. Reviewed on: 11th July 2026

Great options to manage money like making purchases...

Great options to manage money like making purchases in instalments and 4 but the only thing I’d change is the interest rate, way too high. Reviewed on: 11th July 2026

PayPal Credit has been an excellent experience for me.

PayPal Credit has been an excellent experience for me. It is incredibly easy to use, with a straightforward interface that makes online purchases simple and stress-free. I appreciate how customer-friendly the service is, offering clear information about payments, balances, and due dates. Overall, PayPal Credit takes the hassle out of financing purchases, providing both convenience and peace of mind. Reviewed on: 11th July 2026

So easy and hassle free!!!

So quick and hassle free that makes all wearies away. Excellent Reviewed on: 11th July 2026

PayPal's financing options help me to buy the things...

PayPal's financing options help me to buy the things I like and pay for them in my own time! Reviewed on: 11th July 2026

PayPal credit and its efficiency

PayPal Credit was quick for me to set up, easy to use, and great for spreading payments on larger purchases. The integration with PayPal makes everything smooth and transparent. A helpful tool when used responsibly. Reviewed on: 11th July 2026

Like the PP credit very handy, you feel protected wh...

Like the PP credit very handy, you feel protected when using PP for payments Reviewed on: 11th July 2026

Very easy to use, never had any issue

Very easy to use, never had any issue Reviewed on: 11th July 2026

My go to payments service

It's been my go to payments service esp the pay in 3 which helps me budget and lets me spread the payments with 0% interest to enjoy my purchases. Reviewed on: 11th July 2026

Excellent and professional service

Excellent and professional service Reviewed on: 11th July 2026

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