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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

On the few occasions I’ve had to use customer servic...

On the few occasions I’ve had to use customer services they have been great Reviewed on: 12th July 2026

Easy to use within the app and find information abou...

Easy to use within the app and find information about my credit usage. Reviewed on: 12th July 2026

I use money anywhere and its amazing give me a lots...

I use money anywhere and its amazing give me a lots of offers and extra chance to do fulfill my dreams .i spend money without any fear because paypal always help me out everywhere thanks to pay pal i love paypal Reviewed on: 12th July 2026

I find PayPal very useful, efficient and so easy to...

I find PayPal very useful, efficient and so easy to use. Reviewed on: 12th July 2026

Can't fault PayPal I use it for everything had s cou...

Can't fault PayPal I use it for everything had s couple of problems in the past with items not turning up PayPal sorted it no problems at all honestly can't fault you thsnks Reviewed on: 12th July 2026

PayPal, it works.

This was my first time using PayPal, and I found the whole experience wonderful. It's very easy to use and navigate, the money deposit are uncomplicated the interaction between different financial companies is excellent. Finally the communications with its customers is on point. Reviewed on: 12th July 2026

High interest fees and only option to pay back in 3...

High interest fees and only option to pay back in 3 which isn't affordable for most. No help to pay back in a more manageable way or switch fees, got multiple offers to increase during lockdown and been stuck since due to poor financial choices and variables at the time, however service is safe to use and good. Reviewed on: 12th July 2026

PayPal's credit options enabled me to have a fantast...

PayPal's credit options enabled me to have a fantastic holiday with my son last summer. I find the service trustworthy, clear and with excellent communication Reviewed on: 12th July 2026

Excellent company to deal with.

Excellent company to deal with. I have never had any issues Reviewed on: 12th July 2026

PayPal is always my first payment option because I l...

PayPal is always my first payment option because I like the security given to my purchases, should there be any issue. Reviewed on: 12th July 2026

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