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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)

You asked me to review

Didn’t have any problems so far - I do not have anything more to add Reviewed on: 7th July 2026

Always helpful when needed customer service

Always helpful when needed always good customer service when issues arrive Reviewed on: 7th July 2026

It’s good for making your spending more affordable

It’s good for making your spending more affordable Reviewed on: 7th July 2026

Takes all the hassle out of buying online and credi...

Takes all the hassle out of buying online and credit or pay in three on larger purchases. Reviewed on: 7th July 2026

Top Service

Easy to use and good payment options Reviewed on: 7th July 2026

I am long time customer with PayPal and I like it ve...

I am long time customer with PayPal and I like it very nice and I recommend it everyone Reviewed on: 7th July 2026

Very flexible and easy to keep on top of payments...

Very flexible and easy to keep on top of payments Reviewed on: 7th July 2026

Always happy to help sort out any problem

Always happy to help sort out any problem with minimum fuss and look at each problem individually Reviewed on: 7th July 2026

Great Service That Could Do Better

I've been using PayPal for years, and overall I think it's an excellent service that makes online payments quick and hassle-free. I especially love PayPal Credit and Pay in 3, as they allow me to buy more expensive items and spread the cost without paying interest. More recently, I also got the PayPal debit card, which I now use everywhere to collect reward points. My biggest complaint is the customer service. It's incredibly difficult to speak to a real person instead of an AI or automated system, and even when I do manage to start a chat, I rarely get a follow-up. I've contacted support several times with different issues, and after the chat ended, nobody ever came back to me with an answer. What's even more frustrating is that you can't return to the previous conversation, so you have to start all over again with the AI every single time, which is exhausting. I also think some of the promotions could be explained more clearly. Sometimes you only find out afterwards that certain transactions don't qualify for reward points, even though that wasn't obvious from the promotion. Overall, I genuinely love PayPal and use it all the time. However, these issues with customer support and unclear promotions make it difficult for me to fully trust the company. Reviewed on: 7th July 2026

Just find pay pal so convenient, easy to use complet...

Just find pay pal so convenient, easy to use completely safe and honestly if it gives you the option to pay by PayPal that’s the way I do it. Reviewed on: 7th July 2026

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