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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

The credit scheme has helped me when I've struggled...

The credit scheme has helped me when I've struggled now I've paid it off. It's been nice. I would recommend Reviewed on: 12th July 2026

Very simple, easy and quick to use!

Very simple, easy and quick to use! Never encountered any issues so can’t comment on customer service! Reviewed on: 12th July 2026

Overall good experience

I had an overall good experience but I struggled with a few aspects. Payments were being declined despite having available credit and customer service was not helpful, they kept blaming my bank. Reviewed on: 12th July 2026

Caringvand Professional

Good customer service, and fast resolutions Reviewed on: 12th July 2026

Decision only took seconds, it was fast and reliable.

Decision only took seconds, it was fast and reliable. Reviewed on: 12th July 2026

Very easy to use, communication is great

Very easy to use, communication is great Reviewed on: 12th July 2026

Help to sort out disagreements with sellers

Help to sort out disagreements with sellers Reviewed on: 12th July 2026

PayPal credit has been a saviour at times.

PayPal credit, when used correctly, has really helped me out of some difficult situations. It also helped me set up my business 2.5yrs ago by allowing me to purchase kit/stick to start. The fact you can use PayPal to purchase in so many places now really has been a saviour at times! Reviewed on: 12th July 2026

Always had good service off PayPal.

Always had good service off PayPal. Nothing is a problem with them. Reviewed on: 12th July 2026

Really easy to use,nothings hidden and so quick and...

Really easy to use,nothings hidden and so quick and easy to manage. Reviewed on: 12th July 2026

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