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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)

Amazing service

It has been really helpful over the years. Reviewed on: 7th July 2026

I’ve always received a flawless service from PayPal.

I’ve always received a flawless service from PayPal. Reviewed on: 7th July 2026

Great service all round, would highly recommend

Great service all round, would highly recommend Reviewed on: 7th July 2026

Paypal ok, resolution centre disappointing

It was ok, beware that PayPal's resolution centre has got worse though. I have previously had poor experience with that aspect of the service. Reviewed on: 7th July 2026

Always simple to pay via PayPal.

Always simple to pay via PayPal. Reviewed on: 7th July 2026

It’s very helpful being able to get things and have...

It’s very helpful being able to get things and have different ways of paying. Reviewed on: 7th July 2026

Take back control of your finances!

I'm a big fan of how PayPal can handle credit agreements per purchase as opposed to only the traditional singular credit limit with a fixed term before interest begins accumulating. It allows for a flexible budgeting and puts the mind at ease when simultaneously individually financing larger items with a longer 0% credit agreement, whilst being able to maintain the shorter agreements for smaller purchases. Reviewed on: 7th July 2026

Very easy to use at checkout when making a purchase.

Very easy to use at checkout when making a purchase. Plenty of notice given to remind you of upcoming payments and very good custoner service when you contact PayPal on the phone. I have always received gpod help and advice by a friendly, helpful member of staff. Reviewed on: 7th July 2026

Peace of mind to know you can trust your lender

Peace of mind to know you can trust your lender and know they’ve got your back when the goods you’ve paid for don’t arrive. A polite helpful person did all the work their end and within a short time my money was refunded. Reviewed on: 7th July 2026

Any problems easily sorted

If there has ever been a problem, it's easily rectified. The site is very easy to use. Reviewed on: 7th July 2026

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