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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.

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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 (181155)

Easy to pay with PayPal widely accepted and easy to...

Easy to pay with PayPal widely accepted and easy to track your spending Reviewed on: 10th June 2026

I have used Paypal for approximately 10 years and I...

I have used Paypal for approximately 10 years and I have only had to contact customer services twice and in both instances. The issue was resolved during that call. The customer support was very professional and very knowledgeable Reviewed on: 10th June 2026

Never let me down

It's nice to know that there's extra security when paying with paypal. I've been with paypal for years and it's never let me down. Even when other providers refused me a credit card, and the 1 i've had for 25 years and only once missed a payment on (in fact, when I took out the paypal credit card, the 25 year 1 reduced my allowence) they gave me 1 with no issues, and also give rewards, most definately happy. Reviewed on: 10th June 2026

Good easy to use and to understand payments and what...

Good easy to use and to understand payments and what is owed, when payments are due Reviewed on: 10th June 2026

Good Service

Good Service. Easy to use. Provides flexibility with payments. Reviewed on: 10th June 2026

Using PayPal Credit has been a great experience for me.

Using PayPal Credit has been a great experience for me. It allowed me to purchase what I needed right away and spread the cost over 3 months, which made managing my budget much easier. The process was quick and straightforward, and I appreciated having the flexibility to pay over time instead of all at once. It gave me peace of mind and helped me make purchases without financial stress. Overall, it has been a convenient and helpful payment option. Reviewed on: 10th June 2026

Fast and easy service

Clear, easy and simple to transact. Reviewed on: 10th June 2026

Excellent service

I have been using PayPal from past few years and really happy with their customer service. Reviewed on: 10th June 2026

Easy application

Easy application process, easy to access credit Reviewed on: 10th June 2026

Fast resolution

When I had a dispute with a company who had not delivered my purchase Paypal credit refunded my money quickly. Reviewed on: 10th June 2026

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