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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)

Great support

I've been with PayPal credit many years now, it has been great support when needed Reviewed on: 13th July 2026

Great service

Very convenient when needed, easily available Reviewed on: 13th July 2026

never had any issues

never had any issues, great service and I trust paypal. Reviewed on: 13th July 2026

Paypal credit is the best, easy to manoeuvre.

Paypal credit is the best, easy to manoeuvre. I love it here Reviewed on: 13th July 2026

No hassle and no problem at all in recovering money...

No hassle and no problem at all in recovering money if item not delivered or not as described Reviewed on: 13th July 2026

I always use PayPal for my online transactions

I've used PayPal for a long time and it's never let me down! PayPal credit and buyer protection are excellent Reviewed on: 13th July 2026

Really easy and nice easy to spread the cost

Really easy and nice easy to spread the cost, easy to setup and accepted widely Reviewed on: 13th July 2026

PayPal is great for different payments plans

I'm enjoying the different types of payment plans available to me. I like the points and benefits I get from using PayPal debit card and account. I also like pay in 3 for when I buy big items. Makes it more affordable because of the no interest and pay in 3 different payments. Or even the plan of pay no interest and pay what ever amount until a certain date. Reviewed on: 13th July 2026

Very useful and easy to use .

Very useful and easy to use . And handy and good . I use PayPal all the time . Reviewed on: 13th July 2026

I found applying for the credit easy, using the cred...

I found applying for the credit easy, using the credit via the virtual card and being able to order a actual card is fantastic. The card can be used anywhere. MasterCard is accepted which makes it amazing for all my shopping while I earn points that I can spend on PayPal. Also, the interest-free options are great and also the interest rate is very reasonable. Reviewed on: 13th July 2026

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