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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)

There's no better way than the PayPal way...

Easy to navigate site, supportive customer service team and great result after each interaction. I particularly like the peace of my from the buyer protection initiative as well as the promot response by resolution centre therefore I use PayPal for all my online transactions because I know I'll feel prioritised as a customer every single time. Well done PayPal!!! Reviewed on: 10th June 2026

Purchase with PayPal

I feel that PayPal is the safest and fastest way to make online purchases. I would not use anything else. Reviewed on: 10th June 2026

I like using PayPal.

I like using PayPal. It’s easy. I don’t have any experience of using their customer service Reviewed on: 10th June 2026

I’m using paypal account and credit to do my most on...

I’m using paypal account and credit to do my most online purchases and it’s very safe. Get more time to pay for my purchase. Never needed to contact customer service till now, good experience and recommend to use. Thanks Reviewed on: 10th June 2026

Easy to use, accepted world wide, great service

Easy to use, accepted world wide, great service Reviewed on: 10th June 2026

Convenient 0% purchases without additional paperwork...

Convenient 0% purchases without additional paperwork or complexity. Reviewed on: 10th June 2026

Purchase Protection

I always know my purchases are protected when I use PayPal. And that's a big deal for me. Pay in 3 is also an excellent way to stretch the cost without incurring and interest. Reviewed on: 10th June 2026

Easy to apply and convenient to use

I found PayPal Credit very convenient to use. The application process was quick and easy and I received a decision without any hassle. The information in the PayPal app is clear and straightforward making it easy to keep track of my balance, payments and account details. Overall it's been a simple and user friendly way to manage purchases. Reviewed on: 10th June 2026

Swift service

Swift service, very clear menu in the app Reviewed on: 10th June 2026

It’s handy and efficient.

It’s handy and efficient. Able to use on most websites and easy repayment options and plans Reviewed on: 10th June 2026

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