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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)

Over all I think they are a reliable source of secur...

Over all I think they are a reliable source of secure money, I've only ever had one issue which was solved almost immediately (once I managed to actually get hold of the customer service) Reviewed on: 12th July 2026

Easy to use and handy to have.

Easy to use and handy to have. Good way for making payments Reviewed on: 12th July 2026

I’ve been using Paypal for years and I will continue...

I’ve been using Paypal for years and I will continue using it, it has an easy and friendly interface, good service Reviewed on: 12th July 2026

Paypal help me to protect my card to safe my bank de...

Paypal help me to protect my card to safe my bank details also help me on payment . Option pay in a three installment is life changer Reviewed on: 12th July 2026

I have found PayPal credit very helpful when I have...

I have found PayPal credit very helpful when I have been low on income it's helped me get shopping in Reviewed on: 12th July 2026

Nice service and good interest rates free period of...

Nice service and good interest rates free period of time. Been using PayPal for years and still it’s my favourite choice for payments. Overall it’s great for individual who want a easy and stress free payment system for their purchases Reviewed on: 12th July 2026

PayPal credit makes it so much easier to pay for mor...

PayPal credit makes it so much easier to pay for more expensive items Reviewed on: 12th July 2026

Overall Excellent, only one problem experienced

I rate PayPal credit highly. However I experienced one draw back - sometimes payments made against your balance take days to update. I wanted to use Paypal for a 24 month installment phone purchase. There was an offer on with Samsung tied to using Paypal for the purchase, and my balance didnt update for 4 or 5 days after the payment was made, by which time the offer expired. Reviewed on: 12th July 2026

Hassle free sending and receiving payments

Hassle free sending and receiving payments Reviewed on: 12th July 2026

Used PayPal for many years never had an issue ..

V g communication for all payments safe and easy to use in transactions. Works with nearly all traders Reviewed on: 12th July 2026

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