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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)

Excellent customer service

Always quick response and outcome with disputes and other issues. Excellent customer service. Reviewed on: 15th April 2026

Essential service

Prior to using PayPal I never assumed it would be integral as it is to my daily life Reviewed on: 15th April 2026

Easy and reliable.

Easy and reliable. I can trust it Reviewed on: 15th April 2026

Great for more expensive purchases for birthdays tha...

Great for more expensive purchases for birthdays that wouldn’t be able to afford otherwise. Reasonable apr and manageable payments, no issues whatsoever and been using for a few years now. Reviewed on: 15th April 2026

I bought a Dyson styler, but I made a mistake with t...

I bought a Dyson styler, but I made a mistake with the kit and returned it, but PayPal did not refund the money! Very bad communication with PayPal !!! Reviewed on: 15th April 2026

It’s been amazing very helpful and supproting

It’s been amazing very helpful and supproting Reviewed on: 15th April 2026

The GOAT

I have been using PayPal for many years and have had nothing but 5 star service. Reviewed on: 15th April 2026

Excellent variety and options

Clear guidelines of their services, credit and debit options, Crypto options. Points gained from purchases gaining money back. Can spread the cost of purchases. Reviewed on: 15th April 2026

It’s just incredible a everything is clear and trans...

It’s just incredible a everything is clear and transparent. Service is quick - I feel safe when using PayPal. Reviewed on: 15th April 2026

Easy to use secure preferred method for paying online

Easy to use secure preferred method for paying online Reviewed on: 15th April 2026

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