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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)

Money back guarantee

Whenever I purchase something using Paypal I always beed sure that my money is secure with a money back guarantee if they item hasn't been delivered or is faulty Reviewed on: 10th June 2026

Long term user- my honest take!

I have used PayPal Credit for several years, and my experience has been overwhelmingly positive. The application process was straightforward, and I was approved quickly, which allowed me to start using the credit line almost immediately. I appreciate how seamlessly it integrates with my PayPal account, making online shopping effortless. One of the standout features is the flexibility it offers. Being able to spread payments over time without added stress has been incredibly convenient, especially when managing larger purchases. The option for interest-free periods on certain transactions is a great bonus, and I’ve found it to be a very cost-effective way to manage cash flow. The clarity of statements and the ease of tracking my spending on the PayPal app have given me a sense of control. I also value the transparency of the terms and the helpful reminders for payments, which make it easy to stay on top of my account. Overall, PayPal Credit has made my online shopping smoother, more flexible, and worry-free. I would highly recommend it to anyone looking for a reliable and convenient way to manage payments online. Reviewed on: 10th June 2026

Paypal review

Since using paypal credit its been so easy to make payments Reviewed on: 10th June 2026

Brilliant service, helpful customer serviceand prom...

Brilliant service, helpful customer service and prompt resolutions (had to cancel some transactions when the seller wouldn't accept my concerns regarding product's quality). Reviewed on: 10th June 2026

Works all the time no hassle.

Works all the time no hassle. The pay in 3 feature is great aswell if short on money Reviewed on: 10th June 2026

Love PayPal

So easy to use, use it a lot to pay also widely used by retailers Reviewed on: 10th June 2026

I had a pleasant experience.

I had a pleasant experience. It helped me to fulfill my dreams Reviewed on: 10th June 2026

Always There When Needed

Any problems Have been Delt With Very Quickly Reviewed on: 10th June 2026

find brilliant recomemded service

find brilliant recomemded service Reviewed on: 10th June 2026

Very secure.

Very secure. Offers interest free spilt payments Reviewed on: 10th June 2026

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