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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)

My experience with PayPal has been largely positive,...

My experience with PayPal has been largely positive, though not without a few frustrations. Overall, it’s a convenient and widely accepted platform that makes sending and receiving money simple, especially for online transactions. One of the biggest advantages is how easy it is to use. Setting up an account was straightforward, and linking my bank account and cards didn’t take long. I appreciate the speed of transactions—payments are usually instant, which is particularly helpful when splitting bills or making quick purchases online. The buyer protection feature also adds a layer of confidence when shopping from unfamiliar sellers. However, there are some downsides. Fees can be a bit confusing and sometimes feel high, especially for international transfers or when converting currencies. On a few occasions, I’ve found customer support to be slow to respond, which can be frustrating if there’s an urgent issue. Additionally, account limitations or security checks can happen unexpectedly, and resolving them isn’t always quick. Despite these drawbacks, PayPal remains a reliable and secure payment option that I continue to use regularly. It’s not perfect, but its convenience and widespread acceptance make it a valuable tool for managing online payments. Reviewed on: 15th April 2026

Happy customer

Great service, excellent customer service, very reliable service. I've been using PayPal for over 5 years now. No problems. Reviewed on: 15th April 2026

Top one No doubt about it

Always professional if anything happened you can contact them and easily sorted and easy to pay special from card. Reviewed on: 15th April 2026

I use PayPal week in, week out.

I use PayPal week in, week out. So simple and easy to use plus they are completely trustworthy. I would highly recommend! Reviewed on: 15th April 2026

Best money app

Always promp easy to use and customer friendly Reviewed on: 15th April 2026

simple simples

Easy to install and use,and bonus for using Reviewed on: 15th April 2026

Easy straight forward experience5 *****

Easy straight forward experience Reviewed on: 15th April 2026

One of the best App and service provider which is ev...

One of the best App and service provider which is evolving year on year. Reviewed on: 15th April 2026

Reliable and easy payments

I used PayPal for long time Fast easy secure transactions Smooth payments quick refunds great Reviewed on: 15th April 2026

Having paypal credit has enabled us to spread the co...

Having paypal credit has enabled us to spread the cost of christmas shopping, at very reasonable interest Reviewed on: 15th April 2026

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