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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)

Easy and simple

It’s just so easy, the app and making payments couldn’t be simpler Reviewed on: 7th July 2026

Excellent,

Excellent, but from time to time there are some changes, and this isn't easy for us. I was very happy with the PayPal card and used it once, but I don't want to use it again. Why is the money withdrawn from my account immediately when I use it? I don't want this. I want to pay back after the specified period of four or three months. This makes everything easier for us. Thank you. Reviewed on: 7th July 2026

Always been positive and a go to one you need someth...

Always been positive and a go to one you need something urgent or last minute Reviewed on: 7th July 2026

PayPal is a most important finance platform I use re...

PayPal is a most important finance platform I use regular basis. Without PayPal my life would be difficult to pay all the purchases I made. PayPal made it easy to break down the payments and let me pay off the balance in sections. It’s easy to use I introduced to my friends and family. It’s easy to use and helpful during this financial crisis around the world. PayPal deserves a better review from the customer. Also the customer service is very helpful. I approached them few times with some of my issues with the purchase and they handled rightly. Overall I am very happy with their service. Reviewed on: 7th July 2026

Straightforward

Easy tomake payments; app easy to use Reviewed on: 7th July 2026

Reliable and efficient

Customer service is efficient and quick - the whole platform is reliable - I trust the transactions I make with PayPal. Having experienced some bad customer service from other sites - it’s reassuring that PayPal are this reliable. Reviewed on: 7th July 2026

I find pay pal very useful and safe to use ..

I find pay pal very useful and safe to use .The customer service is very important for issues you might have they're there to help and the information is useful. I would recommend pay pal to my friends. Reviewed on: 7th July 2026

Excellent Service and rapid response

Excellent Service and rapid response Reviewed on: 7th July 2026

PayPal credit gave me the chance to pay bit by bit f...

PayPal credit gave me the chance to pay bit by bit for a show that I was attending with my horse which was brilliant as they cost enough as it is! Makes it very affordable. Reviewed on: 7th July 2026

PayPal is the safest way to make purchases online.

PayPal is the safest way to make purchases online. I previously made a purchase and never received my item. I opened a case against the supplier and PayPal got me a full refund. You have great peace of mind shopping with PayPal. Reviewed on: 7th July 2026

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