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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)

Safe and easy to use

Safe and easy way to make a payment and/or pay for nice presents for my friends and family. Reviewed on: 10th June 2026

Never had any issues with PayPal always a reliable s...

Never had any issues with PayPal always a reliable service and options are easy to understand, with flexible product offers. Having been a customer for well over 10 years I recommend PayPal highly. Reviewed on: 10th June 2026

Always there when needed

Always there when needed helpful friendly Reviewed on: 10th June 2026

Easy payback plan.

I found it really easy to pay back the loan in manageable portions and also very helpful to not pay interest. Reviewed on: 10th June 2026

Convenient and Excellent

PayPal Credit has been an excellent financial tool for managing larger purchases while maintaining flexibility in my budget. The application process was quick and straightforward, and once approved, it integrated seamlessly with my existing PayPal account. What I appreciate most is the convenience of being able to spread the cost of purchases and manage repayments easily through the PayPal app and website. The account information is clear, payments are simple to make, and I always know exactly where I stand. PayPal Credit has provided a reliable and transparent way to access credit when needed, helping me make important purchases without unnecessary stress. The security and trust that come with the PayPal brand also give me confidence when using the service. Overall, PayPal Credit offers a great combination of convenience, flexibility, and ease of use. It has consistently provided a positive customer experience, making it a deserving winner for a Consumer Credit Award. Reviewed on: 10th June 2026

No contact to talk to for support

No contact to talk to for support Reviewed on: 10th June 2026

Brilliant service

So easy to use great service all for customers Reviewed on: 10th June 2026

Really positive experience and great to have especia...

Really positive experience and great to have especially when the offer of 4 months interest free Reviewed on: 10th June 2026

Great way to pay for things and secured payment

Great way to pay for things and secured payment Reviewed on: 10th June 2026

Transactions

Transactions are quick and secure Reviewed on: 10th June 2026

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