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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.

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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 (181155)

I applied for a loan for a Samsung smartphone.

I applied for a loan for a Samsung smartphone. I didn't receive the promised 36- and 24-month installment plans. But I did receive an 18-month installment plan. Reviewed on: 11th July 2026

I've been a loyal customer for a few years.

I've been a loyal customer for a few years. It's helped me get though my Master's degree Reviewed on: 11th July 2026

Amazing platform

Ok. A very good platform. I like the ease of transferring money. Reviewed on: 11th July 2026

Neverbhad problem that has not been solved ASAP

neverbhad problem that has not been solved ASAP Reviewed on: 11th July 2026

Option of payment over 12 months solved problem

Option of payment over 12 months solved the problem of needing an item now and not having the full funds Reviewed on: 11th July 2026

PayPal is a very easy app to use and PayPal credit i...

PayPal is a very easy app to use and PayPal credit is easy to set up and work, the communication is great by PayPal with frequent emails and always ready to help with any enquiries regarding PayPal credit. Reviewed on: 11th July 2026

Love it!

Love it! so useful for people who are restricted by earnings. Reviewed on: 11th July 2026

I use PayPal all the time.

I use PayPal all the time. So easy to use and so many retailers support PayPal. Pay in 3 is useful sometimes. PayPal credit useful for big purchases and zero charge if paid within 4 months. This can be useful at Christmas! Reviewed on: 11th July 2026

Generally a good experience good lending rates and g...

Generally a good experience good lending rates and good customer service Reviewed on: 11th July 2026

PayPal review

Good all round service from PayPal. Had an account for years and no complaints. Reviewed on: 11th July 2026

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