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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)

A safe easy way to pay for items online.

Such an easy way to pay for items online. Feels very safe. Have not had any issues. Reviewed on: 14th May 2024

Ease of use.

Ease of use. I can taylor my spending easily to fit in unlike more traditional credit. Suits my budget and lifestyle. Reviewed on: 14th May 2024

You Never speak to a human, bad thing!

Never speak to a human. Trying to increase credit never works. It’s a bit pointless Reviewed on: 14th May 2024

Never had a problem easy to pay off , quick service...

Never had a problem easy to pay off , quick service and easy to use Reviewed on: 14th May 2024

Always easy to use

Always easy to use very convenient for payment Reviewed on: 14th May 2024

good credit increases, works with physical cards too...

good credit increases, works with physical cards too, its great really ngl love it Reviewed on: 14th May 2024

Quick service and trustworthy.

Quick service and trustworthy. I can easily pay any kind of purchase without a doubt. I like their refund policy. It’s easy to use for international purchases and money transfers. I highly recommend this Reviewed on: 14th May 2024

Never have any trouble always there

Never have any trouble always there Reviewed on: 14th May 2024

Great experience.

Great experience. Love to tell my friend and family Reviewed on: 14th May 2024

Great service

Great service, easy to use and helpful when purchasing over a 4+ month period Reviewed on: 14th May 2024

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