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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)

Very fast, efficient and easy!

Very fast, efficient and easy way to pay for items and manage your payments! Absolutely love PayPal! Customer service is always first class too. Reviewed on: 13th July 2026

Never had any problems with paypal!

Never had any problems with paypal! Reviewed on: 13th July 2026

A company that actually does what it says

The app is easy to use, credit easy to get and everything just works as expected. Reviewed on: 13th July 2026

Perfect Option to help you spread your spend!

Easy to use with no issues, great option to help you spread the cost of your purchases without any fees. Reviewed on: 13th July 2026

Got my one and only late payment on my credit file f...

Got my one and only late payment on my credit file for 20 years, because I hot my bank cards stolen.I paid paypal credit payment as soon as I spottan email, but it was a few hours yoo late apparently. So very disappointed. Reviewed on: 13th July 2026

It works for me and its straight forward to use and...

It works for me and its straight forward to use and everything is evidenced, and PaPal puts you in control Reviewed on: 13th July 2026

PayPal credit is a good value for money, secure and...

PayPal credit is a good value for money, secure and no extra charges for short term borrowing option. Refunds and online security is guaranteed. I am very happy with the service. Reviewed on: 13th July 2026

Positive Most of the Time

Positive most of the time, PayPal should do away with the Bot and open a dedicated email reply system as the bot is worse than useless and cannot provide a solution to any important issue, and trying to reach CS is nigh impossible easier email contact or even a text line which will improve on endless waiting times on the phone and having to endlessly repeat yourself, So give your Customers options it Will make a Difference Reviewed on: 13th July 2026

Everything I request and ask gets done right away go...

Everything I request and ask gets done right away good experience Reviewed on: 13th July 2026

Very easy to apply and navigate.

Very easy to apply and navigate. Instant decision and great management system afterwards. Reviewed on: 13th July 2026

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