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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)

Easy to use, clear reminders

Easy to use, clear reminders. Accessible app and quick to find what needed Reviewed on: 7th July 2026

Paypal is easy to use and very safe.

Paypal is easy to use and very safe. Reviewed on: 7th July 2026

Very Convenient Credit Facility

Always found papal really helpful, and convenient credit, I have recommended already to my family and friends, I use this on a regular basis to fund items I need but struggle to afford Reviewed on: 7th July 2026

Pay pal is great, safe and secure.

Pay pal is great, safe and secure. Reviewed on: 7th July 2026

Paypal has alway been there when we need to buy some...

Paypal has alway been there when we need to buy something urgent, in our opinion it’s a great service. Reviewed on: 7th July 2026

A money system that works.

I have have been with PayPal for many years now and seen it evolve into a trusted and flexible way to access money in many different ways, ways which make life easier in such demanding financial times. Reviewed on: 7th July 2026

Excellent features of pay later and more

I have used PayPal credit for a while and it's super useful for pay later feature. I'm still to use the blue points yet but I'm gathering them for future. Reviewed on: 7th July 2026

Every purchase easy to handle

PayPal credit has been easy, reliable and flexible. Reviewed on: 7th July 2026

Very easy to use and very convenient

Very easy to use and very convenient Reviewed on: 7th July 2026

Convenient for Larger Purchases and Flexible Payments

I’ve found PayPal to be really convenient, especially for larger purchases. The option to spread the cost over time makes it much easier to manage bigger expenses, and the checkout process is always quick and straightforward. It’s a reliable payment method that I use regularly. Reviewed on: 7th July 2026

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