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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181134 reviews)

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4.73

Based on 181,134 reviews, last reviewed 25th Aug 2026

2% increase in 5 star reviews

in the past 90 days

12% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Easy to use great service Easy to use great service. most retailers allow you to use PayPal. Reviewed on: 25th August 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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PayPal PayPal Credit reviews (181134)

Credit made simple by PayPal

It was such an easy experience to apply for the credit, then to purchase what I wanted. It’s also so easy to pay back. Simple is the key to happy customers Reviewed on: 8th June 2026

I will only use PayPal to pay for online products as...

I will only use PayPal to pay for online products as I know my money is transferred safely and securely Reviewed on: 8th June 2026

Great experience using this service and great rates too

Great experience using this service and great rates too Reviewed on: 8th June 2026

Safe & comfortable shopping

Used PayPal for years for protection when purchasing online. Knowing you are covered, especially when using new websites. Also have PayPal credit account. Although new interest rate is quite high. Reviewed on: 8th June 2026

Amazing and easy

Always good services and help easy to use Reviewed on: 8th June 2026

Good company who allow payments to be spread over a...

Good company who allow payments to be spread over a select amount of months. This is helpful for larger sales. Reviewed on: 8th June 2026

They do what they say, funding when you want it

They do what they say, funding for what you buy and 0% and you can pay it off when you want. Fantastic support when you talk to them as well. Reviewed on: 8th June 2026

good communication.

good communication.Received emails and statements ensuring i stayed on track with repayments. Reviewed on: 8th June 2026

Great too for managing large purchasses

I have been using PayPal Finance (specifically PayPal Credit and their "Pay in 3" / "Pay in 4" options) for over a year now, primarily for managing larger online purchases like electronics, home maintenance tools, and unexpected household expenses. Overall, it is an incredibly convenient financial tool, but it requires strict self-discipline to avoid high interest rates. If you treat it like a strict installment plan—paying off every balance well before the promotional interest-free period expires—it offers fantastic flexibility for managing major expenses. Reviewed on: 8th June 2026

No hassle at all.

No hassle at all. Everything is comfortable for both parties. I never use my credit card from my bank. Just by PayPal all can be done easily. Thank you so much, PayPal! Can't live without your support! Reviewed on: 8th June 2026

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