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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)

Very good service, quick response and very good supp...

Very good service, quick response and very good support Reviewed on: 16th April 2026

I have been using PayPal for over twenty years and a...

I have been using PayPal for over twenty years and at fifty I still find it easy, reliable and trustworthy Reviewed on: 16th April 2026

I think PayPal is an excellent service.

I think PayPal is an excellent service. It made managing my money and payments incredibly easy and secure. Thanks to PayPal, I was able to achieve my dreams and finally go on my dream vacation. I highly recommend it to anyone looking for a reliable and convenient payment solution. Reviewed on: 16th April 2026

Simple and effective means to secure short term credit.

Simple and effective means to secure short term credit. Brilliant service so far. Reviewed on: 16th April 2026

Customer Service Help

I've had to phone the call centre on two separate occasions for clarity regarding credit balance and payment. Both times the rep was professional and informative. I can't fault the help provided. Reviewed on: 16th April 2026

Great for pay in 3 interest free

Great for pay in 3 interest free Reviewed on: 16th April 2026

I’m really unhappy with how PayPal Credit operates.

I’m really unhappy with how PayPal Credit operates. Customers should be able to choose which purchases their payments go toward, especially when different transactions have different interest rates. Instead, PayPal decides how payments are allocated, which can leave higher-interest balances building up unnecessarily. What’s even more concerning is that when a customer opens a dispute, it may be reflected on their credit file. This creates fear around using buyer protection, as people may worry it could affect their credit score. Customers should not feel penalised for raising genuine disputes. It raises the question — are people being discouraged from using PayPal Credit due to fear of credit impact? Overall, there needs to be more transparency, fairness, and control for customers. Reviewed on: 16th April 2026

Paypal - Paying for peace of mind

Have used PayPal for sometime now. It’s my favored source of funding and I like the reassurance the PayPal offers users. Reviewed on: 16th April 2026

Never had an issue.

Never had an issue. Great customer service. Great android and ios application Reviewed on: 16th April 2026

Fast secure and worry free every time

Pay provides a service that exceeds a customer satisfaction. A payment pal that never lets you down Reviewed on: 16th April 2026

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