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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 is just the best way to manage your money.

PayPal is just the best way to manage your money and credit facility, safe secure and you can actually speak to someone when needed. Reviewed on: 13th July 2026

Easy to pay and secure with excellent customer service

Easy to pay and secure with excellent customer service Reviewed on: 13th July 2026

Always easy to get money back if company do not deli...

Always easy to get money back if company do not deliver so have that piece of mind Reviewed on: 13th July 2026

Paypal has a great UI and is widely available among...

Paypal has a great UI and is widely available among retailers as a payment option. Credit options are easy to understand and use, with a generous 0% interest over 4 months. It helped me maintain a credit history even when my score took a hit after I paid off a loan. Reviewed on: 13th July 2026

Great user interface and intuitivity

Great user interface and intuitivity Reviewed on: 13th July 2026

Long term Paypal supporter here!

I’ve always had great customer service if I’ve needed advice. I’ve used PayPal for around a decade now. It’s such a breeze to work with, I wouldn’t use any other form of payment now! Reviewed on: 13th July 2026

I always choose PayPal if it an option as I totally...

I always choose PayPal if it an option as I totally trust it and know my transactions are protected if something goes wrong Reviewed on: 13th July 2026

Never had a problem with PayPal payments

Never had a problem with PayPal payments Reviewed on: 13th July 2026

Convenient and secure payment method

Only contacted customer service once due to overpayment which was sorted quickly. Also, on occasion I have thought had payed onto the standard PayPal and it had somehow gone to the credit system.. The two can be easily confused. Reviewed on: 13th July 2026

PayPal's business model is truly fair!

PayPal's business model is truly fair! They have been consistent in their dealings and usually I have no complaints at all! I can really plan using their rates and not be afraid of charges thst I will not be able to meet up with based on the lock in tactics used by others! Reviewed on: 13th July 2026

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