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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)

I have PayPal and PayPal credit.

I have PayPal and PayPal credit. I use PayPal alot as i find it secure Reviewed on: 15th April 2026

Easy to finance larger purchases, I make use of the...

Easy to finance larger purchases, I make use of the 3 month no interest scheme and works well for me Reviewed on: 15th April 2026

Easy to use, instant payments.

Easy to use, instant payments. I like that you can choose between debit and credit options or have your current account linked. It keeps a layer of safety between you and the place you are purchasing from. Reviewed on: 15th April 2026

Credit account makes no sense and hard to keep track...

Credit account makes no sense and hard to keep track of Reviewed on: 15th April 2026

If you want a straightforward credit card with no an...

If you want a straightforward credit card with no annual fee, this is it. I’ve found the PayPal credit card to be extremely reliable. The best part is that there is no minimum redemption amount for your cashback; if you earn $0.50, you can use $0.50. Reviewed on: 15th April 2026

Works Well

Generally seamless - used credit and Pay in Three Reviewed on: 15th April 2026

I always used pay pal transactions and a...

I always used pay pal for various transactions and always felt secure Reviewed on: 15th April 2026

Paypal par excellance.

Never had any issues since i joined paypal and if i have contacted them with any problems, excellent help promptly. Reviewed on: 15th April 2026

Happy so far

No issues so far. I haven't really got any problem with the app. Refunds are received if there was any dye. Reviewed on: 15th April 2026

User friendly, great apps.

User friendly, great apps. Easy to navigate. Products well supported. Reviewed on: 15th April 2026

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