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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)

Excellent and very easy to use.

Excellent and very easy to use. App is great, service is fab. Reviewed on: 7th July 2026

Just so easy to use and use if needed

Just so easy to use and use if needed Reviewed on: 7th July 2026

Excellent efficiency when making transactions

Excellent efficiency when making transactions Reviewed on: 7th July 2026

PayPal is great to have, accessible and so easy to use.

PayPal is great to have, accessible and so easy to use. Reviewed on: 7th July 2026

Great way to pay knowing it’s safe

Great way to pay knowing it’s safe Reviewed on: 7th July 2026

Gave a generous credit limit that I needed and could...

Gave a generous credit limit that I needed and couldn't really find wlaewhere Reviewed on: 7th July 2026

Paypal Excellence

Paypal are there when you need them. Excellent array of options to pay. Reviewed on: 7th July 2026

I do want human contact to answer questions

I do want human contact to answer questions Reviewed on: 7th July 2026

PayPal helps me spread the cost of purchases

PayPal helps me spread the cost of purchases over 3 months for free. It is a very convenient way to pay various bills safely and quickly. I can also send money very easily to family and friends Reviewed on: 7th July 2026

I found PayPal credit easy and convenient to use.

I found PayPal credit easy and convenient to use. The t&c are clear . Reviewed on: 7th July 2026

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