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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)

Customer service

Easy to make disputes and get results Reviewed on: 14th May 2024

Positive client :)

I have a good experience with Paypal Credit especially as I am quite responsible person when taking credits. Easy to use, fees and any changes always comes on email,helpful customer service, notifications when the payment is due. In general only positive experience. If you know how to do shopping responsibly and know your own limits and what you can afford, then you won't have a problems :) Reviewed on: 14th May 2024

Very fast and easy to use.

Very fast and easy to use. Also very secure. Making payments is also easy on the app. Paypal will confirm with you when you make a purchase the amount you are paying Reviewed on: 14th May 2024

PayPal Credit is like the parents you don’t have

Having PayPal Credit is like having the parents you don’t have when your really really stuck …and you always get to repay them Reviewed on: 14th May 2024

Overall very good.

Overall very good. I been duing PayPal over 10 years I guess I only had issue once with one of the payment other then that I never had problems plus it’s life saving, specially the new 3 months plans. Reviewed on: 14th May 2024

always there to help solve issues quickly

always there to help customer services always solved my issues quickly and efficiently Reviewed on: 14th May 2024

Hassle free.

So easy and straightforward, hassle free. Reviewed on: 14th May 2024

Very good !! Strongly recommend .

I have had a very good experience.I have found PayPal credit very simple to use and efficient customer service. Reviewed on: 14th May 2024

Excellent customer service.

Excellent customer service. Easy to use Reviewed on: 14th May 2024

Recommend

Don’t like the 8% international fee Reviewed on: 14th May 2024

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