Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

View other PayPal products

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

Read all reviews Write a review

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.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.

Write a review

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)

I have used PayPal for over 10 years reliable, wide...

I have used PayPal for over 10 years reliable, widely accepted, and easy to manage. Transfers clear quickly, though fees and exchange rates could be better. Trusted service overall, I would happily recommend it." Reviewed on: 7th July 2026

The cheapest and simplest to use

The cheapest and simplest to use Reviewed on: 7th July 2026

Easy to use and very convenient I use PayPal frequen...

Easy to use and very convenient I use PayPal frequently as it’s a safe way to psy Reviewed on: 7th July 2026

The app is excellent for keeping track

The app is excellent for keeping a track of any transactions and I can instantly add money when my balance goes below a certain level. Makes shopping online feel safe and accountable. Reviewed on: 7th July 2026

Great option

Very efficient and simple and practical. Reviewed on: 7th July 2026

Great offer for 0% purchases

Great offer for 0% purchases and ease of use as so many places accept PayPal. Would have preferred a physical card to make it even easier to use Reviewed on: 7th July 2026

Exelent service, lots of offers and never had a prob...

Exelent service, lots of offers and never had a problem, quick responce on solving things for you, thankyou. Reviewed on: 7th July 2026

If ever i’ve needed to dispute anything, paypal are...

If ever i’ve needed to dispute anything, paypal are always efficient and quick to suppoort Reviewed on: 7th July 2026

PayPal works for me!

PayPal is very convenient to make payments and their credit card promotions are attractive. Very easy to make transactions and fees are transparent. Reviewed on: 7th July 2026

When I had a problem PayPal sorted really quick most...

When I had a problem PayPal sorted really quick most impressed Reviewed on: 7th July 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Loan
from Snap Finance 4.81 from 370 reviews
Retail Finance
from Zebra Finance 4.08 from 6 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101312 reviews
Payments
from PayPal 4.72 from 3854 reviews
Credit card
from PayPal 4.66 from 126 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub