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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)

Paypal has a vast usefulness

Paypal has a vast usefulness, and can be used across some many sites which is great Reviewed on: 10th June 2026

Great app easy to use.

Great app easy to use. Available across so many different brands Reviewed on: 10th June 2026

Interest free Paypal.

Every time I have used PayPal I took the option to spread the cost over a few months it works very well for me and I highly recommend it. Reviewed on: 10th June 2026

Paypal makes it easy for me to have access to credit...

Paypal makes it easy for me to have access to credit, their have reasonable rates, I don't feel the starin of the debt as long as I make regular payments. The pay in 3 option has also made life much easier. Reviewed on: 10th June 2026

Safe to do transactions all around the world.

Safe to do transactions all around the world. Reviewed on: 10th June 2026

A smooth and effortless experience.

A smooth and effortless experience. To date I have not had an issue with PayPal credit. To the point that I even forget that the app is there with zero hitches. Being able to track it on help has also helped allowing me to track payments easily . I would 100% recommend to friends and family. Reviewed on: 10th June 2026

Been using PayPal for years now and really happy wit...

Been using PayPal for years now and really happy with the service and different ways to pay makes it really easy to use Reviewed on: 10th June 2026

PayPal Credit a fresh breath in the field

Gives 4 months interest free. Helps a lot to manage credit and can buy and spread across. Reviewed on: 10th June 2026

EASY MONEY!

I have used paypal most recently for 2 transaction each over the value of £1000 and at both time its been an easy process...recieved communication telling me my payment plan and it gives me the flexibility of paying at a delayed time or in several payments to make up the transaction value. Amazing. Reviewed on: 10th June 2026

PayPal credit for the win!

Used PayPal credit for quite a few purchases and love how you can pay as and when you want over the next 4 months interest free. Reviewed on: 10th June 2026

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