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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)

Comes in handy when I wanna grab a bargain ,and the...

Comes in handy when I wanna grab a bargain ,and the paycheck isn’t dropping for a couple of weeks . Reviewed on: 12th May 2024

Very safe and secure payments you get piece of mind...

Very safe and secure payments you get piece of mind ans any trouble you can claim money back. I will never pay online with cards Reviewed on: 12th May 2024

10/10 would recommend

PayPal is trustworthy and I use it for all of my online purchases Reviewed on: 12th May 2024

PayPal credit is brilliant

PayPal credit is my preferred way to pay for goods/services online, without having the rigmarole of having to make accounts just to buy a single item. I don’t need to fill out address ect because that is done automatically by PayPal. I also feel safer online because I don’t need to use a debit card or bank details.my only minor complaint is that I think my credit limit could be higher than it is ! But for larger purchases, pay in 3 works very well. I have no complaints about the service, and I’ve used it for over a decade. One time I needed a refund to the credit account which was dealt with in a professional manner, Reviewed on: 12th May 2024

Always reliable and easy to access.

Always reliable and easy to access. I wish you could spread payments over more months instead of 3 payments. Reviewed on: 12th May 2024

It’s been very fantastic all the way.

It’s been very fantastic all the way. Easy to to use and very secured. Reviewed on: 12th May 2024

Very good

Paypal credit is very very good to have. You can pay for things, sometimes without paying much, if any interest. Customer service team is always ready to resolve any issues in a polite and satisfying manner. Reviewed on: 12th May 2024

PayPal protects from scammers.

If I can pay with PayPal I fee protected from scammers. Reviewed on: 12th May 2024

PayPal.. PayPal credit!

PayPal has been a great asset to me & I rarely encounter a problem.. but when I have it’s been resolved promptly & fairly thanks PayPal Reviewed on: 12th May 2024

It's really easy to use

I've been using PayPal for a couple of decades now and never had an issue, it's just easy to use Reviewed on: 12th May 2024

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