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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)

Issue Resolution

Every time I’ve had an issue with a merchant, PayPal have helped resolve Reviewed on: 10th June 2026

Balance update delays

Instructing to take payment from a card has a delay, so it's difficult to predict when a payment will be taken from the bank account, In addition once payment has been taken the balance update isn't instant, so again difficult to maintain true oversight of the account status. Reviewed on: 10th June 2026

Convenient and Flexible Payment Option

I’ve been using PayPal for years and find it incredibly convenient. I especially like the Pay in 3 option, which helps me spread the cost of larger purchases without paying everything upfront. I also use PayPal Credit when I need a little extra flexibility, allowing me to manage my budget and stretch my funds when necessary. It’s quick, easy to use, and accepted by many online retailers, making it one of my preferred payment methods. Reviewed on: 10th June 2026

Have used paypal credit on a number of occasions.

Have used paypal credit on a number of occasions. The zero percent interest options have been very helpful over the years. Would highly recommend Reviewed on: 10th June 2026

Seamless, great UI and UX - easy flow

Seamless, great UI and UX - easy flow Reviewed on: 10th June 2026

Very easy to use and convenient purchasing online

Very easy to use and convenient when purchasing online Reviewed on: 10th June 2026

User friendly

User friendly, easy to use, never had a problem using the app. Reviewed on: 10th June 2026

Ease of use

Easy to use and helpful very clear information Reviewed on: 10th June 2026

Always so easy to use

Always so easy to use, especially love the pay in three option. Reviewed on: 10th June 2026

Fast, Secure, and Hassle-Free Payments with PayPal

PayPal makes online transactions incredibly simple, fast, and secure. Whether sending money or making purchases, the process is seamless and hassle-free. I appreciate the added buyer protection and the convenience of paying with just a few clicks. A reliable service that makes managing payments easy. Reviewed on: 10th June 2026

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