Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

View other PayPal products

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

Read all reviews Write a review

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.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.

Write a review

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)

Great way to buy larger items and pay over 4...

Great way to buy larger items and pay over 4 months Reviewed on: 10th June 2026

All good

All good, happy about it. No interest credit i like. Reviewed on: 10th June 2026

Paypal payments

Simple and straight forward, easy fast and a choice of ways to pay for goods and services. No worries as customer service is spot on Reviewed on: 10th June 2026

They are friendly and very helpful

They are friendly and very helpful Reviewed on: 10th June 2026

I’ve been using PayPal for years and always been ver...

I’ve been using PayPal for years and always been very happy. Reviewed on: 10th June 2026

Like the idea of flexible payment schedules which he...

Like the idea of flexible payment schedules which helps with budget constraints & future financial planning. Reviewed on: 10th June 2026

Easy to use and track spending, making it easy to ge...

Easy to use and track spending, making it easy to get those needed purchases over time Reviewed on: 10th June 2026

PayPal was there when needed.

PayPal was there when needed. Love the credit in 4 with 0%. Reviewed on: 10th June 2026

Enjoy now and spread the cost

Pay pal credit has helped me spread the cost and pay things off in a timely way without the worry of now! Reviewed on: 10th June 2026

Easy to apply and use and navigate

Easy to apply and use and navigate Reviewed on: 10th June 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Retail finance
from Novuna Personal Finance 4.72 from 173 reviews
Retail Finance
from Zebra Finance 4.08 from 6 reviews
Loan
from Snap Finance 4.81 from 370 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101312 reviews
Payments
from PayPal 4.72 from 3854 reviews
Credit card
from PayPal 4.66 from 126 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub