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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)

Great payment options

I love PayPal credit as it can be used on the majority of websites. I like that there’s multiple payment options such as ‘pay in 3’ and the customer service is great, online chat is quick and helpful Reviewed on: 11th May 2024

Its was readya fabulous experience PayPal anyways he...

Its was readya fabulous experience PayPal anyways help in separating my payment and make easy for me to do the payment love it Reviewed on: 11th May 2024

I was fully satisfied with the service provided.

I was fully satisfied with the service provided. Reviewed on: 11th May 2024

Great way to pay fir things over time interest free

Great way to pay fir things over time interest free Reviewed on: 11th May 2024

Paypal gave me help wilh my finance and many more op...

Paypal gave me help wilh my finance and many more opportunities to split my expenses in one place. Reviewed on: 11th May 2024

Never had a problem and have always used PayPal and...

Never had a problem and have always used PayPal and also love the PayPal credit facility which help to pay for emergency car parts when needed etc etc Reviewed on: 11th May 2024

The statements are very hard to understand it's not...

The statements are very hard to understand it's not very transparent Reviewed on: 11th May 2024

Easy to use, user friendly and clear fees

Easy to use, user friendly and clear fees Reviewed on: 11th May 2024

Trustworthy

I always trust PayPal when it comes to my purchases online. I have no worries if something went wrong with my purchase as I can always open dispute to get my money back providing that the problem is from the merchant. I experience few issues already and PayPal solved the problem for me. Thank you PayPal Reviewed on: 11th May 2024

Definitely a secure way to pay online

It is a bit difficult for me to contact customer service. It is lengthy and ineffective, and I think PayPal needs to improve the service. But I can definitely say that using PayPal is much more secure than disclosing bank card details in online environments. Reviewed on: 11th May 2024

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