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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 effective and convenient ways to pay, and that...

Very effective and convenient ways to pay, and that most vendors accept Reviewed on: 12th July 2026

No problems really, makes finances easier to manage.

No problems really, makes finances easier to manage. Reviewed on: 12th July 2026

I often use PayPal credit and is very helpful.

I often use PayPal credit and is very helpful. I have great experience I always pay back before time but it’s nice when you really need something at the time. Reviewed on: 12th July 2026

I usually have PayPal as my go to payment method as...

I usually have PayPal as my go to payment method as I feel extremely safe with their money protection promise. I use friends and family when I need to help friends or relatives out with money as there are no fees, and I use them for paying for goods online as they are good at helping get your money back in incidents of scams etc. Reviewed on: 12th July 2026

Great & no problems

Great & no problems. Definitely recommend Reviewed on: 12th July 2026

Super easy to set up credit and add a virtual card t...

Super easy to set up credit and add a virtual card to your wallet Reviewed on: 12th July 2026

Easy process and its used widely feels more protecte...

Easy process and its used widely feels more protected than card payment online Reviewed on: 12th July 2026

I think the % rate is abit too high.

I think the % rate is abit too high. I do value the paying off in 3 amounts with zero interest Reviewed on: 12th July 2026

Smooth payment and acceptance.

Smooth payment and acceptance. Easy to add to Apple pay. Same as any other credit card Reviewed on: 12th July 2026

Easy to navigate

Always clear fast instructions. Easy to navigate Reviewed on: 12th July 2026

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