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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

Paypal credit is very easy to set up and manage via...

Paypal credit is very easy to set up and manage via the App. Reviewed on: 12th July 2026

If not for paypal credit, I'd not have had flexibili...

If not for paypal credit, I'd not have had flexibility with money, given gifts I couldn't afford in the one payment or experienced things I was too nervous to try. It's been fundamental for me as a student in affording important appliances, furniture and personal means. Even my graduation pictures! I was able to purchase because of Paypal Credit. Reviewed on: 12th July 2026

The PayPal service is customer friendly

The PayPal interface is quite smooth and th customer helpline is quite helpful and have helped with a few number of doubts. It also has a good amount of offers as well. Overall a good package Reviewed on: 12th July 2026

Great service and easy, quick to use.

Great service and easy, quick to use. Great app super simple and good layout. Reviewed on: 12th July 2026

PayPal are very helpful if something doesn’t turn up...

PayPal are very helpful if something doesn’t turn up they are happy to help Reviewed on: 12th July 2026

PayPal Satisfied customer

PayPal have always responded swiftly to any queries I have had. Reviewed on: 12th July 2026

Easy to use and flexible

I’ve found PayPal Credit easy to use and straightforward to manage through the app. It’s been useful for spreading the cost of larger purchases, and I like being able to make extra payments whenever I want. The statements and payment information are clear, and setting up a Direct Debit was simple. Overall, it’s been a convenient service and I’ve had a positive experience using it. Reviewed on: 12th July 2026

PayPal Credit is really easy to manage

PayPal Credit is really easy to manage and I love that I can spread the cost of purchases over a few months. Reviewed on: 12th July 2026

Its great alternative for conventional credit card p...

Its great alternative for conventional credit card payment system Reviewed on: 12th July 2026

Very easy to use and always useful to have.

Very easy to use and always useful to have for emergencies or when needing to do a big purchase Reviewed on: 12th July 2026

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