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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.

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)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024

It’s much easier for resolving disputes on behalf of...

It’s much easier for resolving disputes on behalf of consumers, negotiate and cooperate with vendors. Reviewed on: 13th July 2026

Easy to use and reliable credit service

I've had a very positive experience with PayPal Credit. The application process was quick and straightforward, and I received a decision almost instantly. It's very convenient for spreading the cost of larger purchases, and managing the account is simple through PayPal. Payments are easy to make, and everything has been clear and transparent. I've had no issues so far and would happily recommend PayPal Credit to anyone looking for a flexible and reliable payment option. Reviewed on: 13th July 2026

Perfection in an app

Customable payment plans which work around your needs, quick and easy to use,perfect for everyday use Reviewed on: 13th July 2026

The whole process was so smooth and easy

The whole process was so smooth and easy Reviewed on: 13th July 2026

I havent been refunded my money back from a Chinese...

I havent been refunded my money back from a Chinese company Reviewed on: 13th July 2026

Paypal is one of my regular payment method.

Paypal is one of my regular payment method. I use it for almost all online payments because it gives me sense of security. In addition; pay now and make it installment or credit features are excellent. Makes payee life easy in all aspect of payments. Reviewed on: 13th July 2026

PayPal has been a life saver for me spending is safe...

PayPal has been a life saver for me spending is safe and well looked aftet Reviewed on: 13th July 2026

Safe and convenient for online transactions

It's a very safe and convenient way to pay for online transactions plus with PayPal credit. The time I get to pay it back without interest is an excellent facility.. The pay in three option helps to divide the cost over the period of 3 months which I have used few different times. Reviewed on: 13th July 2026

Great job good app..

Always been happy with the ease of use with the PayPal app Reviewed on: 13th July 2026

Excellent Service

Excellent Service, excellent company Reviewed on: 13th July 2026

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