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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)

So easy to use, great rewards, and safe transactions.

So easy to use, great rewards, and safe transactions. I now use PayPal for the majority of my transactions. Reviewed on: 10th June 2026

I have had good quick payment and prompted

I have had good quick payment and prompted Reviewed on: 10th June 2026

Paypal Is an Amazing Way To Purchase Items

Paypal is a great way to purchase items online and now in store with paypal credit card. Simple and easy to use. Always use paypal for everything love the added peace of mind that everything i do on line is protected with them. Any issues you can raise them with them straight away, money is back in your account instantly no messing around. Would highly recommend paypal as a great way to purchase items. Reviewed on: 10th June 2026

Easy access great service - a unique range of options

PayPal offers easy to use options to spread payments which I find very useful, especially for costly items that would be a big hit on monthly budgeting - as a pensioner on a fixed income this is especially helpful. Added to that account management is very easy via the app, all the information is clearly set out and access is secure and quick with a sensible system for logging on whether via the app or on my PC. On the few occasions when I need help or information, customer service is easy to reach and is first rate - no bots! Reviewed on: 10th June 2026

PayPal a quick, efficient and se...

PayPal is quick, efficient and secure. Easy to use. Reviewed on: 10th June 2026

So no problem with PayPal easy to use

So no problem with PayPal easy to use Reviewed on: 10th June 2026

Great support in a payment issue

They were there when I had a significant issue to support and help me Navigate a payment that had gone wrong. PayPal dealt with it speedily and accurately. Thank you Reviewed on: 10th June 2026

Easy pavement good notification of dates and timelines

Easy pavement good notification of dates and timelines Reviewed on: 10th June 2026

Communication

Everything is great. But with multiple paypal scams going around and scam emails. I once didn't pay my credit off and I was being called on an unknown number claiming to be paypal and asking me to prove who I was with personal information. With no emails or anything sent to suggest I was getting a phone call or that I had missed a direct debit payment. Reviewed on: 10th June 2026

PayPal credit is reliable and robust

PayPal is reliable , embedded n the majority of vendors website and the app is robust. I have never had an issue over thousands of transactions over a decade of using it Reviewed on: 10th June 2026

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