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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)

Easy to set up the credit application.

Easy to set up the credit application. Payments go out by direct debit so I never miss a payment. Reviewed on: 10th June 2026

Excellent Service and Flexible Credit Option

I've been using PayPal and PayPal Credit for several years and have always had a very positive experience. The service is easy to use, secure, and widely accepted by online retailers, which makes shopping much more convenient. PayPal Credit has been particularly helpful for larger purchases, allowing me to spread the cost when needed and manage my finances more effectively. The application process was straightforward, and the account is easy to monitor through the PayPal app and website. I've found customer service to be responsive whenever I've needed assistance, and I appreciate the additional buyer protection that PayPal offers. The flexibility, security, and convenience make PayPal Credit a valuable financial tool that I use regularly and would happily recommend to others. Reviewed on: 10th June 2026

Excellent

Very good never gave any problems with PayPal excellent service Reviewed on: 10th June 2026

Easy to use and safe

Easy to use and safer than divulging card details to more companies. Pay in 3 is great. It takes the edge off large purchases while minimising the payback time. Reviewed on: 10th June 2026

I sometimes use PayPal visit as i get 0% iinterest a...

I sometimes use PayPal visit as i get 0% iinterest and I can pay black floexibly as long as it’s within 4 months. It’s great as it lets me budget and buy things I still need. I wouldn’t be without it. Thanks! Reviewed on: 10th June 2026

Trouble free payment and usage with goou UI

Trouble free payment and usage with goou UI Reviewed on: 10th June 2026

Amazing Services!

I’ve been with PayPal for years and I’ve never had any issues with them. Infact they are so quick to resolve issues it’s great! I’ve used all of their services aka paypal credit, paypal plus and even PayPal 3 and they’re just so useful! Reviewed on: 10th June 2026

PayPal has helped me with unauthorized payments

PayPal has helped me resolve unauthorized payments several times, and unlike other platforms, the process was clear and simple. That's why I continue using it because I'm not afraid of being scammed and left without help. Reviewed on: 10th June 2026

PayPal credit is very intuitive and easy to use

PayPal credit is very intuitive and easy to use Reviewed on: 10th June 2026

Easy to use and great rates.

Easy to use and great rates. PayPal is so versatile. Reviewed on: 10th June 2026

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