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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)

PayPal credit

Easy to use! Recommend to others looking for a flexible credit card Reviewed on: 11th May 2024

It is the best service I’ve used

It is the best service I’ve used Reviewed on: 11th May 2024

Great customer service

The customer service agents are always very helpful and friendly. Reviewed on: 11th May 2024

It's been convenient using PayPal credit so far.

It's been convenient using PayPal credit so far. I remember having to get a new bed frame and I was tight on budgeting was my first time using credit so I signed up for PayPal credit.I thought the authorisation and process was going to be difficult. I even gave up and scrapped the idea of getting my new bed.Howecer, in less than 39 minutes I was awarded the credit to get my bed. The repayment has been good so far. A very convenient financial decision I must say . Reviewed on: 11th May 2024

It’s been an amazing and awesome experience with Pay...

It’s been an amazing and awesome experience with PayPal Reviewed on: 11th May 2024

Easy to use, easy to manage so works perfectly for me!

Easy to use, easy to manage so works perfectly for me! Clear app set up, easy to find what you need and to get help when you need it. Customer service is great from my experience and always on hand to help! Reviewed on: 11th May 2024

I highly recommend Paypal

PayPal is easy to use and their app is easy to navigate. They are quick to respond to any issues I've had with payments and always keep me updated with progress on any cases filed. I liked that you can set up a direct debit. And have both a credit limit and a pay in 3 option on certain payments. Reviewed on: 11th May 2024

I have used PayPal for years...

I have used PayPal for years and PayPal Credit for a number of them. It's brilliant, both easy and safe to use. Any problems regarding transactions are assessed and sorted out within a reasonable time. So helpful! Reviewed on: 11th May 2024

Always everything is going smoth and easy, good cust...

Always everything is going smoth and easy, good customer service Reviewed on: 11th May 2024

Perfect for larger purchases

Easy to use, easy repaymentbsceme with no interest on larger items Reviewed on: 11th May 2024

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