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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)

Happy so far

Not needed to contact customer service yet but so far my experience has been positive. Reviewed on: 7th July 2026

PayPal has been easy to use, quick if customer servi...

PayPal has been easy to use, quick if customer services are needed they act promptly and are friendly and responsive. would highly recommended using PayPal credit. Reviewed on: 7th July 2026

quick easy and very flexible.

quick easy and very flexible. my go to when purchasing with confidence Reviewed on: 7th July 2026

Best way to pay

Easy and quick way to pay or spread the cost, highly recommend! Reviewed on: 7th July 2026

Very good, very easy to use.

Very good, very easy to use. Ipay for everything use all the time. Reviewed on: 7th July 2026

Happy Regular User

Never needed customer service so can’t rate all other experiences have been good Reviewed on: 7th July 2026

Paypal is perfect for large purchases

I’ve used PayPal credit for many years and had a great experience every time. My largest purchase was a wedding day gift for my now husband, PayPal gave me peace of mind because it was a large purchase from a website I’d never used. Reviewed on: 7th July 2026

I have been with PayPal for couple of years now, l h...

I have been with PayPal for couple of years now, l haven't get any challenges ,customer service on point and transaction quick, card payments excellent, recommended to everyone, cheers up Reviewed on: 7th July 2026

Great facility

I found PayPal credit easy and efficient to use and I would definitely recommend it Reviewed on: 7th July 2026

If it's an option, i always use paypal.

If it's an option, i always use paypal. Easy and have help if there are issues. Reviewed on: 7th July 2026

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