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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)

Always rely on pay over 4 month interest free can be...

Always rely on pay over 4 month interest free can beat it Reviewed on: 9th June 2026

Easy and affordable!

I’ve been using PayPal for years, and it is by far one of the most reliable and easy-to-use payment platforms out there. The convenience of not having to type in my card details for every online checkout saves so much time! However, the standout feature for me is their 'Pay in 3' option. It has been an absolute lifesaver when I need to make a slightly larger purchase but don't want to take a massive hit to my bank balance all at once. Being able to split the cost into three manageable, interest-free monthly payments makes things so much more affordable and helps me manage my money without stressing. Combined with the added peace of mind from their buyer protection, I couldn't recommend it enough. It's safe, seamless, and makes online shopping so much more flexible! Reviewed on: 9th June 2026

Been great and easy to use.

Been great and easy to use. Really helpful. Reviewed on: 9th June 2026

Makes purchases easy with convenient payment options

PayPal provides many ways to make payments easy. I like that I can make a larger purchase and spread the costs over 3 or 4 months. PayPal as a method of payment when checking out also helps make things easy. Reviewed on: 9th June 2026

Intuitive app

Very easy to spread the cost and keep in control of purchase plans via the app Reviewed on: 9th June 2026

Usually Paypal is good and u never experience anythi...

Usually Paypal is good and u never experience anything bad about it. Reviewed on: 9th June 2026

I love pay pal I asked everyone download pay pal...

I love pay pal I asked everyone download pay pal app Reviewed on: 9th June 2026

Excellent service, grate customer service and great...

Excellent service, grate customer service and great rewards. I have had to speak to PayPal before and the were fantastic with their communication and ability to help me quickly and easily. The rewards and points are a great way to entice you to use PayPal Reviewed on: 9th June 2026

So far so good, easy to follow and repay

So far so good, easy to follow and repay Reviewed on: 9th June 2026

Fabulous flexibility and the change to have 0% for 6...

Fabulous flexibility and the change to have 0% for 6 months is refreshing. Reviewed on: 9th June 2026

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