Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

View other PayPal products

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

Read all reviews See your review

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

Always prompt efficient service and customer focused

Always prompt efficient service and customer focused Reviewed on: 12th July 2026

Easy to navigate and fair rate

Easy to navigate and fair rates. Took no time at all to set up credit for 24 months Reviewed on: 12th July 2026

Has positive been extremely helpful

Has been extremely helpful and reliable with being able to balance out all my impossible financial situations I previously had before I was accepted for PayPals credit card. IDE definitely recommend to others who are responsible with their cash flow. Reviewed on: 12th July 2026

Always helpful and customer service is on top.

Always helpful and customer service is on top. Reviewed on: 12th July 2026

Security

Secure system. If it's an option on a purchase I will use it. Reviewed on: 12th July 2026

Its just easy when retailers accept it at checkout.

Its just easy when retailers accept it at checkout. Reviewed on: 12th July 2026

Always great to have credit and being able to manage...

Always great to have credit and being able to manage it. Cheers guys! Reviewed on: 12th July 2026

Super easy to check out with PayPal, PayPal credit a...

Super easy to check out with PayPal, PayPal credit also offers great options with pay in 3 or 0% for 30days Reviewed on: 12th July 2026

Amazing would highly recommend

I’ve had a great experience using PayPal Credit. The application process was quick and straightforward, and the account was available to use almost immediately. It’s been really useful for spreading the cost of larger purchases, and the payment options are flexible and easy to manage through the PayPal app. The interface is clear, payments are processed smoothly, and I’ve never had any issues with the service. Overall, it’s a convenient and reliable credit option that I would happily recommend. Reviewed on: 12th July 2026

Very good and easy to use and very flexible

Very good and easy to use and very flexible Reviewed on: 12th July 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Very Pay
from Shop Direct 3.66 from 29 reviews
Loan
from Snap Finance 4.81 from 370 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101312 reviews
Payments
from PayPal 4.72 from 3854 reviews
Credit card
from PayPal 4.66 from 126 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub