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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

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4.73

Based on 181,154 reviews, last reviewed 29th Sep 2026

65% decrease in 5 star reviews

in the past 90 days

53% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Best Customer service Best Customer service, and great value. Reviewed on: 29th September 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 (181154)

Paypal Credit

When i have used paypal credit, its gone smoothly,i can check what i owe and see whats been paid already, its a clear system and i like that. Reviewed on: 10th June 2026

Easy and convenient

Love being able to spread the cost of slightly more expensive things over 3 months with no interest. PayPal let you know when each payment is due and what your balance is so there are no unexpected payments. Have used a few times and will continue to do so. Reviewed on: 10th June 2026

Brilliant service and so useful, I am in love with i...

Brilliant service and so useful, I am in love with it to use and by my much needed and loved items. Reviewed on: 10th June 2026

It's my preferred payment when buying online

If I'm buying anything online I will always use PayPal as my preferred option. It's hassle free, secure and I really like the fact that you can pay over time interest free. I've used PayPal for nearly 20 years and I hope I can continue to use it. Reviewed on: 10th June 2026

Easy to process and understand customer services are...

Easy to process and understand customer services are always their if you need them and variety of options to pay Reviewed on: 10th June 2026

Regular user of PayPal credit for bigger ticket items.

Regular user of PayPal credit for bigger ticket items. Very flexible, 0% interest and all the protection PayPal offers. Reviewed on: 10th June 2026

Fantastic!

Fantastic! Very easy to use and I can’t do without it. Reviewed on: 10th June 2026

5* application

Used it for many years, recommended friends to use it especially with PayPal credit being useful having the 0% APR for 4 months. Reviewed on: 10th June 2026

My indispensable financial super power.

PayPal Credit has genuinely transformed how I manage my finances. It's essential for proper budgeting, building and understanding credit, hedging costs with flexible payment options, and smartly leveraging cashback offers and promotions. Whether I'm making big purchases or everyday transactions, the buy-now-pay-later flexibility gives me breathing room without the stress of traditional credit cards. I can't imagine navigating my financial journey without it — it's that reliable and user-friendly. I even invest in PayPal stock because I believe so strongly in the platform. PayPal isn't just a payment service; it's a true financial partner that empowers everyday people. Love PayPal!" Reviewed on: 10th June 2026

Paypal credit is easy to use

Paypal credit is easy to use and allows the spreading of payments with no interest for the first 3 months, making it easier to manage finances. There's very little chance of payments being missed, you can set up a direct debit or they email you to advance to let you know when the payment is due. Reviewed on: 10th June 2026

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