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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)

THE BEST YOU CAN THINK OF

I joined PayPal about a year ago and it has become my number one in terms of usage for payments. The flexibility allowed to payback in 4 months for 0 interest, the pay in 3 and the option to pay with balance is incredibly amazing. I have so far recommended 4 people who are actively using PayPal and will continue to do so. I wish that my credit gets increased in the future for me to get even more stuff I plan. Great app, excellent customer service and easy interface. No one does it better like PayPal. Reviewed on: 16th April 2026

More Flexibility.

I have been using PayPal for quiet some time now. PayPal offers some good services, one of them is pay in 3 which is my favourite coz it gives me more flexibility. And now I use PayPal for almost everything. Reviewed on: 16th April 2026

I’ve had PayPal credit for years, I’ve never have a...

I’ve had PayPal credit for years, I’ve never have a negative experience with them, they are always able to help if you need it and the app design is very easy and accessible Reviewed on: 16th April 2026

Very flexible, fair, easy to understand credit.

Very flexible, fair, easy to understand credit. I wish established credit card providers were more like this. PayPal seem genuinely innovative. Reviewed on: 16th April 2026

The flexibility and the added security along with th...

The flexibility and the added security along with the customer service, makes using PayPal as much as possible a must these days Reviewed on: 16th April 2026

SIMPLE CREDIT SYSTEM

So easy to use and repay. No issues for me so far using credit. I like paying knowing that if any issues occur Paypal will help me. Reviewed on: 16th April 2026

Safe and easy

I found using PayPal easy and safe especially with untrustworthy online traders. They don’t deliver and you talk to PayPal Reviewed on: 16th April 2026

Just normal, nothing exciting idk man

Just normal, nothing exciting idk man Reviewed on: 16th April 2026

I have good experience.

I have good experience. I use it when I'm going on board. Reviewed on: 16th April 2026

Its very good it's really great

It's very good it's easy to pay I really like PayPal is best option thank you so much Reviewed on: 16th April 2026

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