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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)

Spread payments, 4 months, interest free

It is so useful to be able to spread payments over 4 months interest free, thanks PayPal! Reviewed on: 10th June 2026

Customer experience

Good experience so far when to come to pay for services and goods .However it is very challenging to view and check statements,also there is no custome way to pay promotion and offers Reviewed on: 10th June 2026

Any time I’ve had an issue with a seller PayPal have...

Any time I’ve had an issue with a seller PayPal have always sorted the issue. I am never concerned when buying through PayPal as I always feel protected. I enjoy the extra peace of mind when using PayPal. Reviewed on: 10th June 2026

They are great!

They are great! Use them all the time, app is super simple to use and apply for. Reviewed on: 10th June 2026

PayPal Has helped facilitate the most flexible borde...

PayPal Has helped facilitate the most flexible borderless payment solutions for me. I recommend 100% Reviewed on: 10th June 2026

It is good but a longer 0% credit term instead of 4...

It is good but a longer 0% credit term instead of 4 months would be appreciated. Reviewed on: 10th June 2026

I love PayPal.

I love PayPal. It’s safe secure and if there’s a paymentproblem, they are quick to react. Reviewed on: 10th June 2026

Exceptional credit

PayPal are always there to lend a hand and are fair in doing so. I have never experienced issues or concerns. Reviewed on: 10th June 2026

Always great to see PayPal as an option when checkin...

Always great to see PayPal as an option when checking out. Love the 0% finance, why wouldn't you choose this option. Pay in 3 always handy too Reviewed on: 10th June 2026

An excellent quick credit option to spread costs.

An excellent quick credit option to spread costs. New credit card option now makes it usable everywhere, Fantastic!! Reviewed on: 10th June 2026

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