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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181155 reviews)

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4.73

Based on 181,155 reviews, last reviewed 5th Oct 2026

75% decrease in 5 star reviews

in the past 90 days

73% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

been useing paypal for years and years been useing paypal for years and years Reviewed on: 5th October 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 (181155)

PayPal credit is a lifesaver and allowed me to sprea...

PayPal credit is a lifesaver and allowed me to spread the cost without interest Reviewed on: 15th April 2026

Great and easy to use.

Have used multiple payment systems on PayPal. Great way to split costs as well as receive money. Easy to transfer out to a bank account also if you want to. Reviewed on: 15th April 2026

Customer service that actually works

Every customer's nightmare: long waits, endless transfers, no real help. PayPal was the opposite. Short wait, quick response, problem solved on first try. No repeating myself, no runaround. Just fast, helpful support when I needed it most. That’s rare and worth appreciating. Thanks PayPal and winning a little something in this contest would be the cherry on top! Reviewed on: 15th April 2026

Excellent service, very useful.

Excellent service, very useful. Help solve problems with orders or undelivered items. Kept fully informed of my account and payments Reviewed on: 15th April 2026

I am very thankful for the opportunity of using pay...

I am very thankful for the opportunity of using pay in 3 and credit. In this day and economy it’s very difficult and the financial struggle is real. The credit gave helped me in the past and the ease of repaying is really helpful. I would really struggle without it! Reviewed on: 15th April 2026

Satisfied with PayPal, it’s Fantastic!

I’ve had a great experience overall using PayPal. Very helpful and easy to navigate through the app too. Very responsive all round. Reviewed on: 15th April 2026

Easy to use

All accounts are in one place making it easy to use. All the information I need is easy is easy to find. Reviewed on: 15th April 2026

Worth while

Always reply to me on time, and always ensure system is working when I need it Reviewed on: 15th April 2026

PayPal Easy to use makes big purchases affordable

Easy to use makes big purchases affordable and convenient payment for goods Reviewed on: 15th April 2026

I have good experience with PayPal customer service,...

I have good experience with PayPal customer service, thank you Reviewed on: 15th April 2026

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