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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)

Smart Review

I have had a great experience using PayPal for both personal and online business transactions. The platform is easy to use, payments are processed quickly, and the security features give me confidence when sending or receiving money. I especially appreciate the buyer protection and the convenience of linking multiple payment methods in one place. customer support has been helpful whenever I have needed assistance, and the mobile app makes managing transactions simple and efficient. Overall, PayPal is a reliable and trustworthy payment service that has made online payments much more convenient. Reviewed on: 9th June 2026

Always excellent and helps me manage my money

Always excellent and helps me manage my money Reviewed on: 9th June 2026

Pretty good

I use PayPal credit to help whenever I want to make a big purchase to make it more manageable and it has been great. Reviewed on: 9th June 2026

Paid for an item that never came with proof from par...

Paid for an item that never came with proof from parcel company and sellers instant chat but still didn't get a refund!!! Reviewed on: 9th June 2026

Helpful when you need extra money

Happy using PayPal when short of minor bigger purchases can be splitted in instalments . Happy customer good service and customer service. Reviewed on: 9th June 2026

I can work comfortable with my budget with paypal

I love paypal It allows me to spread payments but in a limited way so I never overstretch my finances It chases the baddies for me on the few occasions I need a champion to back me up It has allowed me to actually learn more about working comfortable with my budget Reviewed on: 9th June 2026

Its easy to use and very convenient

Its easy to use and very convenient Reviewed on: 9th June 2026

Simple, effective and secure

Straightforward t&cs. An app that is reliable and easy to navigate. A good range of options for spreading payment, really straightforward to send and receive money with friends if splitting a dinner bill etc and in 8 years I have yet to experience any issues. Reviewed on: 9th June 2026

Very good, I use PayPal quite a bit!

Very good, I use PayPal quite a bit! Very reliable Reviewed on: 9th June 2026

Never ever let me down.

Never ever let me down. Happy Bunny. Reviewed on: 9th June 2026

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