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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)

Always myy first choise

It is easy to use, accepted by most of popular vendors. Many options provided either no interest payments, PayPal credit or use of my own credit cards. Whenever I shop online, PayPal is always my first choice Reviewed on: 10th June 2026

Always a great experience using PayPal credit.

Always a great experience using PayPal credit. If I need to speak to someone they are always helpful and experienced enough to give me the correct answers. Reviewed on: 10th June 2026

Easy seamless does exactly what I need it to do

Easy seamless does exactly what I need it to do Reviewed on: 10th June 2026

PayPal credit is so easy to use.

PayPal credit is so easy to use. Each transaction is self directed but with no hiccups along the way. If something goes wrong it’s usually because you have entered something wrong. I have done a lot of business using the app or my actual card. No problems. Reviewed on: 10th June 2026

I always recommend PayPal to all my Pal’s

I always recommend PayPal to all my friends and family and I’ve been with PayPal for just over a year and I’ve never had any problems or any issues with my account! They are always there to help in anyway way! And if your struggling and going through some bad times just talk to them and they will help you through out until your back on your feet!! Reviewed on: 10th June 2026

Convenient way to get credit

Easy way to get credit for purchases and deals without paying any interest. Reviewed on: 10th June 2026

Paypal credit gave me the life I deserve.

Paypal credit has enabled me to take control of my finances, improving my lending and payments. I have access to buying items for the home I could never purchase before and it has massively improved quality of life for me, especially as I have a life limiting disability and need to make larger purchases for medical supplies. Thank you PayPal credit! :) Reviewed on: 10th June 2026

Great Customer Service

I had a very good customer service experience when I had queries about various transactions. They are very good at explaining things in a simple manner. Reviewed on: 10th June 2026

Great experience, always really easy to navigate.

Great experience, always really easy to navigate. Reviewed on: 10th June 2026

Easy to use and helpful when needed

I've had a good experience with PayPal Credit. It's easy to use, payments are straightforward to manage, and it has been helpful when I needed a little extra flexibility with purchases. The app is simple to navigate and keeps everything clear and organized. Reviewed on: 10th June 2026

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