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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)

Mixed responses

Mixed. Not necessarily the easiest to navigate or find answers Reviewed on: 15th April 2026

I use a range of PayPal services to buy online and a...

I use a range of PayPal services to buy online and am aways surprised with their efficiency whenever I have a problem or query. Reviewed on: 15th April 2026

Excellent service, quick and easy decision.

Excellent service, quick and easy decision. Great reminder emails to stay on track with money and repayments. Reviewed on: 15th April 2026

Bought samsung phone s26 ultra and very good experie...

Bought samsung phone s26 ultra and very good experience with paypal Reviewed on: 15th April 2026

Reliable, Efficient and Effective service

Reliable, Efficient and Effective service Reviewed on: 15th April 2026

Customer service allways been helpful when needed an...

Customer service allways been helpful when needed and efficient. Can't complain. I wish payment would go through quicker when paying PayPal credit, so it shows quicker in my bank account, because sometimes I forget and spend money meant for PayPal. Reviewed on: 15th April 2026

No fuss easy to use and great for smaller purchases...

No fuss easy to use and great for smaller purchases Reviewed on: 15th April 2026

Excellent service.

Excellent service. A great selection of payment options Reviewed on: 15th April 2026

Secure and Convenient

⸻ I’ve had a very positive experience using PayPal. The platform is easy to use, secure, and reliable for both sending and receiving money. Transactions are usually quick, and I appreciate the buyer protection, which gives me extra confidence when shopping online. The app is also convenient and well-designed. Overall, PayPal is a trusted service that I would recommend for everyday payments and online purchases. Reviewed on: 15th April 2026

I’ve never had to use customer services which is a g...

I’ve never had to use customer services which is a good thing, I love PayPal and have been using it for over 20 years although the interest is quite high compared to others. Reviewed on: 15th April 2026

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