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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 is convenient and safe to use.

PayPal is convenient and safe to use. I only had bad experience so far. Hope it's the last Reviewed on: 9th June 2026

PayPal Customer Service Needs Improved

A high income earner, wanted to increase the credit limit on PayPal credit to take advantage of the four months interest free on the credit card to buy a luxury watch at £16K which I would have cleared. However, there is no way of doing this by contacting a human. The PayPal system automatically upgrades your credit limit and this far too slow. I have missed the opportunity to buy Omega & Rolex watches a few times now on ebay from a German authorised dealer with 20% off. It would be a much better financial service if you could either speak with a customer service staff member or make a written request later managed by a person or AI representative. Reviewed on: 9th June 2026

Wish the credit page was easier to follow and had mo...

Wish the credit page was easier to follow and had more QOL sections and aspects Reviewed on: 9th June 2026

Was always a pleasant experience.

Always found the service very easy to use, the website and app very clear and simple and anytime I had to get in touch, was always a pleasant experience. Reviewed on: 9th June 2026

Reliable and trustworthy

g. I always look for paying with paypal.. much safer and quicker. Reviewed on: 9th June 2026

Easy to use

Always easy to use and gives information to you about purchases and balance Reviewed on: 9th June 2026

PayPal akways there to save the day

PayPal akways there to save the day Reviewed on: 9th June 2026

I trust PayPal

I’ve used PayPal since online shopping became a thing! I believe it’s a safer way of paying online. The customer service has proved time and again that I’m safe and protected!! Reviewed on: 9th June 2026

Good offer for those big purchases

Good offer for those big purchases Reviewed on: 9th June 2026

Great company !!

Great company ! safe ,fast ,no messing ! Just what you want ! Reviewed on: 9th June 2026

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