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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181155 reviews)

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4.73

Based on 181,155 reviews, last reviewed 5th Oct 2026

75% decrease in 5 star reviews

in the past 90 days

73% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

been useing paypal for years and years been useing paypal for years and years Reviewed on: 5th October 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 (181155)

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

I call the customer service line for my password the...

I call the customer service line for my password they sort it out Reviewed on: 12th July 2026

My experience with PayPal is amazing I really recomm...

My experience with PayPal is amazing I really recommend it to you guys Reviewed on: 12th July 2026

Amazing service

It was a quick and straight forward process with Paypal. They’ve made it a lot easier with everything I have going on so I would definitely recommend! Reviewed on: 12th July 2026

Excellent and smooth transactions each time

Excellent and smooth transactions each time Reviewed on: 12th July 2026

I’ve been using PayPal Credit for a good few years n...

I’ve been using PayPal Credit for a good few years now and it’s always been solid. The interest rate is reasonable compared to a lot of other options, transactions are quick, and they’ve given me a decent credit limit limit! Always trusted PayPal, so never had any concerns using it. Now that I’ve now got a physical card and can use it with Apple Pay as well. No real complaints from me. It’s done exactly what I’ve needed it to do. Reviewed on: 12th July 2026

First class service and security for all my dealings...

First class service and security for all my dealings when buying online i will not use anything else apart from pay pal Reviewed on: 12th July 2026

Uncomplicated. Trusted. My PayPal.

When I've needed something just before payday, or needed to spread the cost short term, PayPal has been my easy go-to. Easy to choose ar the point of pay. Manageable payments, reminders of upcoming payments, no interest. And, secure online finance. Reviewed on: 12th July 2026

Easy to complete makes the process smooth so not faf...

Easy to complete makes the process smooth so not faffing about. Happy with this. Cant complain Reviewed on: 12th July 2026

So easy to use.

So easy to use. Helps me to manage finances. Decent credit limit. Reminds when payment due. Chip and pin speedy transactions. Can pay balance early on line. Reviewed on: 12th July 2026

Feel safe using this app feel there’s protection wit...

Feel safe using this app feel there’s protection with spending and personal info Reviewed on: 12th July 2026

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