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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)

I like the idea of 4 months interest free

I like the idea of 4 months interest free Reviewed on: 9th June 2026

Happy with the service

I have had a good experience with PayPal Credit. It has been easy to use and convenient, especially when I needed more flexibility with payments. Overall, I am happy with the service. Reviewed on: 9th June 2026

Love PayPal credit

So easy to use, all set up in my phone and retail website easily links to PayPal app. There’s no repeat credit checks once set up and no interest to pay as long as paid off within 4 months. I like that there’s no annual fees or any hidden charges as long as minimum monthly payment made. Reviewed on: 9th June 2026

I use paypal the last years.

I use paypal the last years. It was the first one to introduce installments. A lot of other companies have followed since. Paypal was also used for piece of mind transactions. You knew you are not going to lose your money if goods have not turned up. Reviewed on: 9th June 2026

Easy to use, fast and convenient.

Easy to use, fast and convenient. Good exchange rates and low fees. Reviewed on: 9th June 2026

PayPal credit is a lifesaver

PayPal credit is extremely useful and their interest free period was a lifesaver. They gave me credit when others wouldn't and I appreciate them for doing this as it got me out of a tricky situation. The app is easy to use and is clear with what payments need to be made too! Reviewed on: 9th June 2026

Personal Experience with PayPal's Credit Facility

One of the best things is the credit facility. It allows me to buy something immediately and spread the cost over time instead of paying the full amount upfront. The application process is quick, and once approved, I can use it at many online stores that accept PayPal. It also gives me flexibility for larger purchases and helps with cash flow management. I find the PayPal interface easy to use for checking balances, payments, and due dates. The main downside is that interest can become expensive if the balance isn't cleared on time, so it needs to be used responsibly. Reviewed on: 9th June 2026

Many online retailers facilitate PayPal payments.

Many online retailers facilitate PayPal payments. You can pay in full, in three equal parts or on credit depending on your situation. It is a very flexible way to use your finances. Reviewed on: 9th June 2026

Easy simple perfect

Easy simple Great service all the time Reviewed on: 9th June 2026

I feel safe to pay by PayPal and make easier to buy...

I feel safe to pay by PayPal and make easier to buy things in installments without interest charges Reviewed on: 9th June 2026

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