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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)

For me they are good.

For me they are good. Always helping. Reviewed on: 10th June 2026

Peace of mind .

Straight forward transactions, easy to use. Reviewed on: 10th June 2026

Easy and hassle free

PayPal credit gives me the option to pay for items over 4 months with no interest, It's easy and hassle free Reviewed on: 10th June 2026

Chnage length of free interest.

I hope PayPal can increase 6 months free interest instead 4 months one day. Reviewed on: 10th June 2026

A more than simply useful app.

A more than simply useful app...not just for friends and family, but everything. Send and receive instantly - perfect for my kids haha! Reviewed on: 10th June 2026

Love PayPal always a great experience

Love PayPal always a great experience Reviewed on: 10th June 2026

Great & Flexible Credit Facility

PayPal has been a great, flexible and clear credit facility for me since many years. Reviewed on: 10th June 2026

Very easy to use when purchasing expensive items and...

Very easy to use when purchasing expensive items and the interest free payments are spread over 4 months which is very helpful Reviewed on: 10th June 2026

Love PayPal credit it gives me the opportunity to sp...

Love PayPal credit it gives me the opportunity to spread the cost when waiting for payday. I no longer have to miss out on bargains Reviewed on: 10th June 2026

PayPal is an excellent tool to manage your money.

PayPal is an excellent tool to manage your money. Their pay in 3 and 4 months interest free credit on payments in PayPal credit is a great service. Also their recently launched debit card means points can be saved to help with future purchases. Reviewed on: 10th June 2026

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