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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)

Been with Paypal for years.

Been with Paypal for years. They have always done an excellent job. Helped me with bad sellers and payments and dealt with me fairly. Cannot fault them. Reviewed on: 10th June 2026

Always helpful and refunds are processed very quickly

Always helpful and refunds are processed very quickly Reviewed on: 10th June 2026

Excellent, user friendly option.

Very user friendly. Simple to manage from the comfort of my home. Easy to apply for, super quick response. Convenient to use especially when purchasing online. I can keep track of all the transactions, credit limit, balances etc within my PayPal account. I get free credit for the first 4 months on larger purchases. Best of all I get email reminders in advance of payments being due which means I can easily stay on track. Reviewed on: 10th June 2026

Always had great experience using PayPal

Always had great experience using PayPal Reviewed on: 10th June 2026

Fantastic, customer service are brilliant, it’s supe...

Fantastic, customer service are brilliant, it’s super easy to use. Reviewed on: 10th June 2026

When contacing customer services by phone they are e...

When contacing customer services by phone they are extremley prompt and very understanding of your enquiry, however the interest rates could be lower in comparision with competitors, but overall a good relaible operation. Reviewed on: 10th June 2026

PayPal has made it so I don't have to have my card d...

PayPal has made it so I don't have to have my card details everywhere - I always feel protected when I pay with PayPal too. Reviewed on: 10th June 2026

Easy to use adding additional safety to online purch...

Easy to use adding additional safety to online purchases Reviewed on: 10th June 2026

Great simple, and secure

Great platform, very useful, and simple to use, Much easier than bank transferring... Simple yet secure sign in. could do work with their customer service, easier to access human agents, and quicker responses, less automated and more natrual. and disputes are decently easy to make... overall good service I'm not sure what I would do without Reviewed on: 10th June 2026

Always very easy to use, direct debits are simple &...

Always very easy to use, direct debits are simple & if there’s ever any issues with purchases they’re seen too very swiftly. Reviewed on: 10th June 2026

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