Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

View other PayPal products

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

Read all reviews Write a review

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.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.

Write a review

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)

All excellent and looking at using it more

All excellent and looking at using it more Reviewed on: 15th April 2026

Use paypal with ease

Fast efficient service, never had any issues. Would recommend Reviewed on: 15th April 2026

Customer service staff are very hard to understand

Customer service staff are very hard to understand Reviewed on: 15th April 2026

A trap to be avoided

A trap. Very confusing app with conflicting messaging. Reviewed on: 15th April 2026

PayPal is so easy and convenient. Process

PayPal is so easy and convenient. Its brilliant and a safe experience. Reviewed on: 15th April 2026

Easy to use and safe secure transactions

Easy to use and safe secure transactions Reviewed on: 15th April 2026

Excellent and perfect costumer service

Excellent and perfect costumer service Reviewed on: 15th April 2026

PayPal credit card

I had bad past experience with my PayPal credit card Reviewed on: 15th April 2026

Seems to be fine , no issues, easy and comfortable t...

Seems to be fine , no issues, easy and comfortable to use , Reviewed on: 15th April 2026

Always a seamless experience and everything clear an...

Always a seamless experience and everything clear and straightforward. Plus the app for the phone is excellent too. Reviewed on: 15th April 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Very Pay
from Shop Direct 3.66 from 29 reviews
Retail finance
from Novuna Personal Finance 4.72 from 173 reviews
Payments
from PayPal 4.72 from 3854 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101312 reviews
Payments
from PayPal 4.72 from 3854 reviews
Credit card
from PayPal 4.66 from 126 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub