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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 use online.

Easy to use online. Good interest free offers Reviewed on: 10th June 2026

I am trying to pay money before to get interest but...

I am trying to pay money before to get interest but I can’t Reviewed on: 10th June 2026

Approachable and helpful when required good level of...

Approachable and helpful when required good level of customer service Reviewed on: 10th June 2026

Always been an easy reliable way to manage finances.

Always been an easy reliable way to manage finances. Reviewed on: 10th June 2026

It’s there when I’m struggling for funds

It’s there when I’m struggling for funds Reviewed on: 10th June 2026

Nothing bad to say.

Nothing bad to say. Interest rate is standard, customer service is ok, app is good. No fees for overpaying. Credit limit is fine. Reviewed on: 10th June 2026

I’ve never had any issues.

I’ve never had any issues. Only thing is when paying back payment doesn’t show up for a few days Reviewed on: 10th June 2026

Every time ive used paypal have not had an issue at...

Every time ive used paypal have not had an issue at all so far. Reviewed on: 10th June 2026

Easy Peasy!

I find using Paypal to pay for things online very convenient, and it was made so much easier with the introduction of the PayPal Debit Card. The money comes either off my balance or straight from my bank account, whilst earning me points along the way. It's a win win situation if you ask me. Reviewed on: 10th June 2026

The service provided by Paypal is excellent

The sdrvice provided by Paypal a Reviewed on: 10th June 2026

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