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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

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4.73

Based on 181,154 reviews, last reviewed 29th Sep 2026

65% decrease in 5 star reviews

in the past 90 days

53% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Best Customer service Best Customer service, and great value. Reviewed on: 29th September 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 (181154)

PayPal gets my vote because it just makes paying for...

PayPal gets my vote because it just makes paying for things easier. It’s a name people already know and trust, and the finance options are straightforward without feeling like a load of hassle. Being able to spread the cost can make bigger purchases feel a lot more manageable, and it all works smoothly at checkout. It’s simple, reliable, and does what you need it to do without overcomplicating things. Reviewed on: 10th June 2026

Pay in 3 is excellent.

Pay in 3 is excellent. A very useful payment method. Reviewed on: 10th June 2026

Monalisa

When trying to reach Customer service is always difficult to get straight forward answers Reviewed on: 10th June 2026

Great, consistent and reliable.

Great, consistent and reliable. Have used the app for years without any issues. Reviewed on: 10th June 2026

Very flexible and reliable service they provide

Very flexible and reliable service they provide Reviewed on: 10th June 2026

Super easy to use.

Super easy to use. Helpful in resolving any issues Reviewed on: 10th June 2026

Phone payment

Got credit from paypal for a phone payment. Very helpful, very user friendly application. Gives reminders regularly and can set up direct debits to make it easier. I will definitely consider using paypal credit again. Reviewed on: 10th June 2026

PayPal, my go to purchasing partner.

I’ve been using PayPal for a long time, and i’ve been very happy with the service, and support, i’ve received over the years, which is why i’ve recommend it to family, and friends, constantly. Reviewed on: 10th June 2026

Smooth to use, intuitive

PayPal Credit has been really smooth to use, especially with how well it integrates with Apple Pay. The whole experience feels simple and polished, from making payments to checking balances and tracking spending. The interface is clear and intuitive, so it never feels like a chore to find what you need or stay on top of your account. Everything works in a way that feels quick, convenient, and easy to manage day to day. Reviewed on: 10th June 2026

I have a pleasurable experience using PayPal since...

I have a pleasurable experience using PayPal since I joined, it has been a safe space for me to make payments. Reviewed on: 10th June 2026

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