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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)

Very convenient and reliable.

Very convenient and reliable. Easy to use. Reviewed on: 10th June 2026

The benefits of Paypal

I use paypal credit for purchases, which is excellent. It's also a safe and easy way to transfer money. Reviewed on: 10th June 2026

Great to use.

Great to use. Easy to set up and super reliable Reviewed on: 10th June 2026

Great for online shopping and spreading costs

I use PayPal for as many purchases as I can when shopping online, their 'pay in three' scheme is excellent for spreading the cost of larger purchases. Reviewed on: 10th June 2026

It was so easy and convenient

It was so easy and convenient applying for Paypal credit when i needed it for a bigger purchase and Christmas spending. I have been using PayPal for years and i always chose it wherever possible when making purchases. Reviewed on: 10th June 2026

PayPal credit provides rest of mind.

PayPal helps with the pre credit arrangement. I was able to buy when in urgent need and pay later. I will recommend Reviewed on: 10th June 2026

A safe and flexible way to pay

I love the payment options available, the interest-free periods are a great benefit and it’s a very secure platform. Reviewed on: 10th June 2026

Just fantastic.

Just fantastic. Sometimes I struggle to pay for things and this is just fantastic Reviewed on: 10th June 2026

All round brilliant problems solved money refunded t...

All round brilliant problems solved money refunded they sort it all out with great results Reviewed on: 10th June 2026

PayPal Credit is easy, easy to apply for and easy to...

PayPal Credit is easy, easy to apply for and easy to use. The app is modern and helpful, I’d certainly recommend. Reviewed on: 10th June 2026

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