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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

Prompt and easy to use and good customer service

Prompt and easy to use and good customer service Reviewed on: 12th July 2026

all transactions have been smooth

all transactions have been smooth Reviewed on: 12th July 2026

Excellent service, have been using PayPal for many y...

Excellent service, have been using PayPal for many years. Reviewed on: 12th July 2026

PayPal is all round a great app and service

PayPal is all round a great app and service Reviewed on: 12th July 2026

I love that they let you pay for expensive items in...

I love that they let you pay for expensive items in 3 interest payments. They also step in and help if you have trouble with a seller Reviewed on: 12th July 2026

Super easy to use never a problem and great service...

Super easy to use never a problem and great service Reviewed on: 12th July 2026

Makes purchasing online safe and convenient.

Makes purchasing online safe and convenient. Good borrowing rates but could be better Reviewed on: 12th July 2026

My experience was very good exellent

My experience was very good exellent Reviewed on: 12th July 2026

I’ve been using PayPal Credit for a while now and fi...

I’ve been using PayPal Credit for a while now and find it incredibly convenient. The setup was seamless, and having the 4 months interest-free option on larger purchases gives me great financial flexibility. The integration into the checkout process on most websites makes it effortless to use. My only minor critique is that the credit limit increases could be a bit more transparent, but overall, it’s a reliable and straightforward service that I highly recommend. Reviewed on: 12th July 2026

Excellent Service

Never have any payment issues. Whatever method used, PayPal credit, PayPal linked to bank account or PayPal debit card Reviewed on: 12th July 2026

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