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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)

PayPal Credit is great

Very reasonable scheme which makes it much easier for me to spend my money without going overboard Reviewed on: 15th April 2026

Great customer service

Any problem I have ever had PayPal customer service has resolved immediately Reviewed on: 15th April 2026

Using PayPal

I have never had any issues with PayPal, and very helpful Reviewed on: 15th April 2026

My hero: Paypal

I love paypal it allows me to be flexible even when I don’t have the money - it’s saved me on numerous occasions i don’t know what I would do without it !! For example pay pal credit helped me to get kaytranada tickets for my sisters birthday with we thoroughly enjoyed she’s always want to go and I’ll be forever greatful!! Reviewed on: 15th April 2026

Just really easy and quick to use, which ever part o...

Just really easy and quick to use, which ever part of PayPal you're using. Reviewed on: 15th April 2026

I have been using PayPal for years and never had any...

I have been using PayPal for years and never had any issues, it's very convenient and safe way of managing finances and paying for purchasing . Reviewed on: 15th April 2026

Help me with a refund

Help me when a seller sent me a product than was not as described resulting in a full refund. Reviewed on: 15th April 2026

Great service Always a great experience.

Always a great experience. Easy to log in, use the app and use the services Reviewed on: 15th April 2026

I have used PayPal Credit for some time and found it...

I have used PayPal Credit for some time and found it convenient for making quick purchases and spreading payments. The application process was simple and everything is easy to manage through the app. However, there are some downsides. The interest rates can be quite high if you don’t pay within the promotional period, and the terms can feel strict. Missing a payment or misunderstanding the conditions can lead to extra charges. Customer service is okay, but sometimes it takes time to get clear answers. Overall, it’s useful for short-term borrowing if you are careful, but you need to fully understand the terms before using it. Reviewed on: 15th April 2026

Payment options are excellent

It’s fantastic to have the credit facility with no interest . Reminders that payments are due is an excellent feature. Reviewed on: 15th April 2026

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