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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)

Great service, good communication

Great service, good communication Reviewed on: 10th June 2026

Safe and secure and reliable.

Safe and secure and reliable. I used it few time I really liked it I think I would recommend it to all my friends and family Reviewed on: 10th June 2026

Great company!

Great company! Always use it for all my purchases. Reviewed on: 10th June 2026

Trustworthy company

Just great company very easy to use would not use any other Reviewed on: 10th June 2026

With PayPal I have confidence to spend on any retail...

With PayPal I have confidence to spend on any retailer as they give guarantee of refund if the order is not successful. I do lot of transactions online and if the payment method doesn’t support PayPal I don’t go ahead with the purchase Reviewed on: 10th June 2026

Easy to access when needed for quick payments

Easy to access when needed for quick payments Reviewed on: 10th June 2026

MT FINANCIAL SAFE PLACE

PayPal has always been my safe place for purchases and financial protection. Very reliable and dependable Reviewed on: 10th June 2026

If there’s any problems customer service is always g...

If there’s any problems customer service is always good and quick. Direct debit always on time. I’m happy using it Reviewed on: 10th June 2026

quick and easy way to pay

Transactions are always really quick, and easy to pay money back in and minimum payments are low so it’s made affordable. Would definitely use it again Reviewed on: 10th June 2026

Unfortunately, customer service often feels very ro...

Unfortunately, customer service often feels very robotic and frequently provides responses that do not properly address the issue being raised. I would much prefer to deal with UK-based representatives who have a better understanding of customers living in England. Sadly, some representatives also have a very poor attitude, which only adds to the frustration. Regarding PayPal itself, one of my biggest concerns is that account balances and transactions do not update immediately. The system can show incorrect amounts for days, sometimes even weeks. Updates are extremely slow, which can easily lead to confusion or accidental overpayments. Overall, it creates a very frustrating user experience. I always make my payments on time, and in most cases even earlier than required. However, despite this, my credit limit has not been increased once in the past five years. Considering my payment history, this is quite disappointing. Overall, there is significant room for improvement in several areas, including customer service, account updates, and customer rewards. Reviewed on: 10th June 2026

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