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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)

My experience has been great!

My experience has been great with no issues that has occurred Reviewed on: 11th July 2026

Exelent service

Easy to use, easy to pay, easy to get loan Reviewed on: 11th July 2026

I have been using PayPal pay in 3 for a few years an...

I have been using PayPal pay in 3 for a few years and now also use paypal credit for larger payments. I really like the fact that pay in 3 has 0% interest and PayPal credit gives you 4 months 0% interest on payments over £99. It has made budgeting for items very easy and helped me to pay for Christmas on a low income without the stress of financial worries. Reviewed on: 11th July 2026

Very easy to use and track your spend

Very easy to use and track your spend Reviewed on: 11th July 2026

Ive used PayPal for years now.

Ive used PayPal for years now. Always been a great service Reviewed on: 11th July 2026

Seamless Experience with PayPal Credit

Applying for PayPal Credit was so easy. Took me less than 5 minutes and I got approved right away. The app is really clear, I can see my balance, payments and due date all in one place. I had one small issue with my PayPal Credit card and their customer service sorted it out for me seamlessly, no stress at all. Great for spreading the cost on bigger purchases and I’d 100% recommend it. Reviewed on: 11th July 2026

Ease of use, great competitive offers

Ease of use, great competitive offer for interest-free option. Flexibility available really worked for my situation. Reviewed on: 11th July 2026

Easy to use.

Easy to use. Clear outline of your account and not complicated. Easy to manage your accounts and very widely accessible. Reviewed on: 11th July 2026

Annual software subscription on 4 months interest free.

The annual subscription for my 3D software I need for my small business is quite a chunk to lay out all at once, and the software companies monthly payment option is extortionate. With PayPal credit I'm able to purchase it and pay it over 4 separate interest free payments.... making it much more feasible. Reviewed on: 11th July 2026

Great against fraud

Make my shop easy, helpful against fraud, really good service Reviewed on: 11th July 2026

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