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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 positive.

Always positive. I know my money and purchases are safe and protected Reviewed on: 10th June 2026

Paypal is more efficient straight forward and reliable.

Paypal is more efficient straight forward and reliable. Paypal is a helpful friend, always the backbone. Very supportive and always acting as a safety net. Reviewed on: 10th June 2026

My Paypal

I have used PayPal for years; borrowed thousands and paid back PayPal, Their customer support explained the different interest scenario’s to me in plain English. I have used the credit service accordingly I’ve Thoroughly enjoyed having PayPal at my disposal; it has always been there when I needed it. Payments are flexible, but with an end deadline. I would recommend to anyone. Reviewed on: 10th June 2026

Game changer

I would always praise PayPal for a swift reaction with scam online purchases. Reviewed on: 10th June 2026

More than 9 years with PayPal and very easy access v...

More than 9 years with PayPal and very easy access very fast and excellent customer service than my money is always safe Reviewed on: 10th June 2026

Good and excellent

Good and excellent for the best among the others, they are reliable and faster Reviewed on: 10th June 2026

My experience using PayPal

I had used PayPal since 2006 originally for PayPal payment transfer and receive funds. In all these years I’ve never been cheated out. My bank details remain confidential and whenever I had dispute with vendors PayPal provided protection for all my transactions. Speaking with customer service is also straightforward and easy to get issues resolved. Reviewed on: 10th June 2026

Works everything pretty good, just would be great to...

Works everything pretty good, just would be great to have customer service help directly when needed. Reviewed on: 10th June 2026

PayPal is an easy, convenient and secure way to pay.

PayPal is an easy, convenient and secure way to pay. I feel happy knowing any transaction is supported. PayPal credit os an added bonus that at times help spread the cost of purchases. Reviewed on: 10th June 2026

Love using PayPal...

Love using PayPal easy to use app is simple to follow and you know what you are spending. Also PayPal credit has been a life saver for me with those days out and emergencies that pop up helping to spread the cost over 3 months or longer if needed . Reviewed on: 10th June 2026

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