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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)

PayPal credit has helped when I’ve needed it and hav...

PayPal credit has helped when I’ve needed it and having multiple options to suit my financial situation helps a lot Reviewed on: 7th July 2026

I always feel safe using PayPal it gives me peace of...

I always feel safe using PayPal it gives me peace of mind and is very convenient. Reviewed on: 7th July 2026

Paypal credit is excellent, money when needed and g...

Paypal credit is excellent, money when needed and great customer service if you need help. I have recommended several people already. Reviewed on: 7th July 2026

It has helped me several times with purchases that I...

It has helped me several times with purchases that I can’t quite afford that month so spreading th e cost Reviewed on: 7th July 2026

Reliable and handy for when needing to choose a pay...

Reliable and handy for when needing to choose a pay later option or spread the cost. Reviewed on: 7th July 2026

They're good in terms of providing financial support...

They're good in terms of providing financial support to individuals Reviewed on: 7th July 2026

Easy to use and it is stress free

Pay pal is easy and stress free. I love using PayPal when ever I can Reviewed on: 7th July 2026

I can’t recommend PayPal enough

I can’t recommend PayPal enough — it’s become an essential part of my daily life! Whether I’m booking travel tickets, buying things I need, or paying for goods and services, it makes every transaction smooth and stress-free. What I value most is how it helps me track and manage my spending better, which is really helping me break through barriers and work towards true financial freedom. Thank you for making payments so easy and trustworthy! Reviewed on: 7th July 2026

Little help for the weekday.

Little help for the weekday. Perfect. Reviewed on: 7th July 2026

Better safe than sorry

Been using PayPal Credit for a while now and it just makes online shopping so much easier. Checkout takes like two taps, no digging around for card numbers or typing in info every time. Keeping track of what I’ve spent is simple too — the app lays it all out clearly so I always know my balance and what’s coming up. No surprises. Bonus: I feel way safer buying online with it since my card details aren’t floating around on random sites. Definitely recommend if you shop online a lot. Reviewed on: 7th July 2026

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