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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)

Straightforward yet responsible credit facility.

Straightforward yet responsible credit facility. Excellent customer services. Reviewed on: 7th July 2026

I have had issues with sellers and PayPal has come t...

I have had issues with sellers and PayPal has come to the rescue several times. Thank you PayPal! Reviewed on: 7th July 2026

Life saver

Absolute life saver in terms of finances but, keeping on top of different payment plans, refunds and differentiating between transactions is a challenge which is why I have given it 4 stars. Reviewed on: 7th July 2026

PayPal review real person

It is a very easy service to use, the website is easy to access Reviewed on: 7th July 2026

Easily accessible with 4 interest free months.

Easily accessible with 4 interest free months. It allows me the freedom to buy and pay later, which is fantastic when I have unexpected birthdays, Weddings, Christenings or I just want to treat myself. Reviewed on: 7th July 2026

Fast and convenient

PayPal is a convenient way to spend money and pay back with ease Reviewed on: 7th July 2026

PayPal is safe

I always use PayPal for all transactions where possible.it gives me peace of mind. Knowing my bank S are safe from fraudsters Reviewed on: 7th July 2026

Great service

Really good and always kept updated on credit level and how to improve and always asked if want increase etc Reviewed on: 7th July 2026

Convenient service

Easy way to pay for products and sometimes being able to spread costs with no interest Reviewed on: 7th July 2026

Excellent experience

I have consistently had an excellent experience using PayPal. The platform is secure, reliable, and incredibly convenient for both online purchases and sending money. Transactions are processed quickly, and the added buyer protection provides valuable peace of mind when shopping online. The website and mobile app are user-friendly, making it easy to manage payments, track transactions, and resolve issues when needed. On the occasions I have contacted customer support, I found the representatives to be professional, knowledgeable, and committed to finding a satisfactory resolution. What I appreciate most is PayPal’s commitment to security and fraud prevention, which gives me confidence when making purchases from different retailers and sellers. The service has become an essential part of my online financial transactions, and I would not hesitate to recommend it to family, friends, and colleagues. Overall, PayPal continues to provide a dependable, efficient, and customer-focused service that makes online payments simple and stress-free. A truly excellent platform that consistently delivers on its promises. Reviewed on: 7th July 2026

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