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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)

Wouldnt reccomend for anyone to get in debt.

Wouldnt reccomend for anyone to get in debt. But good to use none the less. Reviewed on: 10th June 2026

I love PayPal credit!

I love PayPal credit it gives me the flexibility to e able to order multiple sizes in things as I never know what size I am. This way I am not waiting she’s for large refunds from my own money! Reviewed on: 10th June 2026

Always used it, convenient and almost everywhere acc...

Always used it, convenient and almost everywhere accepts it. Also pay pal pay in 3 is very handy for large purchases and PayPal credit is sometimes a life saver when you're running short of money at the end of the nonth Reviewed on: 10th June 2026

several issues with purchases over severa...

I have had several issues with purchases over several years and PayPal have been able to resolve issues quickly and smoothly Reviewed on: 10th June 2026

My best pal, pay pal credit!

Easy to pay with PayPal credit. Quick decision and good communication regarding balance and payments. Any transaction issues are dealt with efficiently and effectively. Reviewed on: 10th June 2026

I've been using PayPal for years, and it remains my...

I've been using PayPal for years, and it remains my absolute go-to for online transactions. The biggest selling point for me is the sheer convenience of being able to check out with just a quick login, rather than constantly fetching my wallet and typing in long card details, is a massive time saver. Beyond convenience, the security and peace of mind it provides are unmatched. Reviewed on: 10th June 2026

Always helpful & excellent service.

Always helpful & excellent service. Provide good customer experience Reviewed on: 10th June 2026

Great service - would thoroughly recommend

Great service - would thoroughly recommend Reviewed on: 10th June 2026

I had a very good experience with PayPal.

I had a very good experience with PayPal. Reviewed on: 10th June 2026

Simple, Seamless, and Helpful for Larger Purchases

I’ve found PayPal Credit to be a convenient and flexible payment option, particularly when making larger purchases online. The main advantage is the ability to spread the cost over time, often with promotional interest-free periods, which can be really helpful for budgeting. The application process was straightforward, and once approved, it integrated seamlessly with my existing PayPal account. This makes checkout quick and easy, without needing to enter additional payment details. I also appreciate the clarity of the statements and the ability to manage payments online. However, it’s important to stay on top of repayments. If you don’t pay off the balance within the promotional period, the interest rates can be quite high, which can add up quickly. The terms and conditions need to be read carefully to avoid unexpected charges. Additionally, it would be helpful if there were more reminders or clearer prompts about upcoming deadlines for promotional offers. Overall, PayPal Credit is a useful tool if used responsibly. It offers flexibility and convenience, but it’s best suited to those who can manage repayments carefully and understand the terms. Reviewed on: 10th June 2026

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