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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)

Useful aid to manage cash flow

PayPal credit has been useful to manage my cash flow. Easy to use. Reviewed on: 10th June 2026

Simple to use excellent service fantastic when I hav...

Simple to use excellent service fantastic when I have no physical card on me to use. Reviewed on: 10th June 2026

Sorry not got much to say.

Sorry not got much to say. I’m ill in bed right now! Reviewed on: 10th June 2026

Very handy and clear rules,easy to keep on top of pa...

Very handy and clear rules,easy to keep on top of payments,we use for unexpected purchases and split the cost between us both Reviewed on: 10th June 2026

It is simple to use.

It is simple to use. PayPal are always adding new ways to engage with them Reviewed on: 10th June 2026

Always had a great experience with PayPal, Helped me...

Always had a great experience with PayPal, Helped me out on eBay and my credit borrowing is the right amount and easy repayment method. Reviewed on: 10th June 2026

It was straightforward to apply and I received the d...

It was straightforward to apply and I received the decision in minutes. The flexibility in payment options was great. Reviewed on: 10th June 2026

You can trust the App

Easy to navigate app, that allows you spend and keep an eye on everything. The refunds are processed easily and I trust PayPal Reviewed on: 10th June 2026

I didn't expect it to be that simple and easy to use.

I didn't expect it to be that simple and easy to use. Need to be careful ! It's still just a credit, very well executed ! Reviewed on: 10th June 2026

Seamless transaction and easy support available.

Seamless transaction and easy support available. I personal experience with credit was really good and I have been using it for at least 2 years. Their charges are well explained. The interest is heavy if not paid on time. They also consider increasing the limit with my consent. Reviewed on: 10th June 2026

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