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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)

Simple and easy to open

Simple and easy to open. Very straightforward to use and to stay on top of payments. Reviewed on: 7th July 2026

Using PayPal makes life so much easier

Using PayPal makes life so much easier Reviewed on: 7th July 2026

Pay in 3 is a brilliant feature to spread payments a...

Pay in 3 is a brilliant feature to spread payments and PayPal credit is very handy now you can spend anywhere using the card. Reviewed on: 7th July 2026

Quick, easy and safe way to pay.

Quick, easy and safe way to pay. Reviewed on: 7th July 2026

I have been using PayPal for around 10 years now and...

I have been using PayPal for around 10 years now and have had only positive experiences. If something goes wrong with a purchase they quickly and efficiently obtain a refund. Pay in 3 is a great option if you are a bit short on cash and really need to pay for an item. Reviewed on: 7th July 2026

Never had a problem.

Never had a problem. Very easy and use PayPal alot Reviewed on: 7th July 2026

Smart shopper

Easy to use and keep track of spending Reviewed on: 7th July 2026

Easy to access and use.

Easy to access and use. Clearly laid out instructions and payment options. Good communication regarding upcoming payments and how much is still outstanding. Reviewed on: 7th July 2026

Always a safer way to pay

Always a safer way to pay and any problems they are always there to solve it Reviewed on: 7th July 2026

Great service and customer service were really helpful

Great service and customer service were really helpful Reviewed on: 7th July 2026

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