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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)

Good for payments online and credit

Good for payments online and credit Reviewed on: 9th June 2026

Best way to pay

I like using Paypal as it is so quick and convenient, no need to bother with entering bank details Reviewed on: 9th June 2026

PayPal is super easy to use.

PayPal is super easy to use. They make it clear to know what your limit is and how you are spending plus the rates are clear and unambiguous. When I have had reason to call up I have received fantastic customer service, the staff are friendly, helpful and can’t do enough for you. PayPal is my credit supplier of choice. Reviewed on: 9th June 2026

Use regularly when purchasing on line.

Use regularly when purchasing on line. So easy and quick. Very good when there’s a dispute and getting refund excellent pay in 3. Reviewed on: 9th June 2026

Smart Payment Planning with No Hidden Fees

I’ve had a great experience using PayPal Credit’s Pay in 3 option. It allowed me to spread the cost of a purchase into three manageable payments with absolutely no extra fees or interest, which made budgeting much easier. The application process was straightforward, approval was quick, and everything was clearly displayed in my PayPal account. I especially liked receiving payment reminders before each installment was due, helping me stay on track. For anyone looking for a flexible way to make purchases without incurring additional costs, Pay in 3 is a convenient and reliable option. Overall, it has been a useful feature that provides financial flexibility while keeping expenses predictable. Reviewed on: 9th June 2026

Feedback

Great customer service without waiting Reviewed on: 9th June 2026

Utter Great experience and would recommend to anybody

Utter Great experience and would recommend to anybody Reviewed on: 9th June 2026

Flexibility in payment , gives me peace of mind and...

Flexibility in payment , gives me peace of mind and options to split payments with zero interest Reviewed on: 9th June 2026

PayPal always comes up trumps

Any issues I have ever had with PayPal purchases, pp has sorted them out for me. Sometimes they are a bit slow, but they always come up trumps. And their pay in 3 or 4 is fantastic value. Reviewed on: 9th June 2026

Very convenient when needed and notification of paym...

Very convenient when needed and notification of payment date is very useful Reviewed on: 9th June 2026

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