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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 credit is a convenient way for me to pay for...

PayPal credit is a convenient way for me to pay for unexpected replacements or repairs and it’s easy to pay off in manageable amounts. I use it to pay my phone bill each month and for repairs or things we need. Reviewed on: 10th June 2026

My experience

My experience has been okay, it would be appreciated if my balance would be calculated on time though as it takes days for it to be updated Reviewed on: 10th June 2026

PayPal credit

PayPal credit is so easy to use & has saved me quite a bit in interest payments Reviewed on: 10th June 2026

Very helpful and considerate treats people with unde...

Very helpful and considerate treats people with understanding would recommend to anyone, thank you Reviewed on: 10th June 2026

Saving grace in raining days.

Saving grace in raining days, that’s what I call my PayPal account/card, it has come through for me when I need to get things done asap and my salary is a no show, it’s easy to use and direct, no delay. Their platform is self explanatory and their flexible payment makes a baby girl look good, it means I can still get the things I want without spending all my money because their flexible payment allows me pay 3 times without interest. Reviewed on: 10th June 2026

It's good to know you have the security, any problem...

It's good to know you have the security, any problems PayPal will refund straight away. Reviewed on: 10th June 2026

Online purchase protection

Occasionally when buying online, things go wrong, with PayPal credit you have the confidence that they will put things right with no hassle Reviewed on: 10th June 2026

I have been with PayPal for 22 years and they have a...

I have been with PayPal for 22 years and they have always been there for me. Reviewed on: 10th June 2026

A quick and simple credit card facility...

It was a very quick and simple credit card facility to add to an existing PayPal account. Reviewed on: 10th June 2026

I've found PayPal Credit to be extremely helpful

I've found PayPal Credit to be extremely helpful and easy to use. The platform is very user-friendly, making it simple to manage payments, track balances, and stay on top of my account. The application and checkout process are straightforward, and everything is clearly presented. Overall, it's a convenient and reliable credit option that has made online purchases much easier to manage. Reviewed on: 10th June 2026

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