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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (139237 reviews)

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4.73

Based on 139,237 reviews, last reviewed 15th Jun 2026

4066650% increase in 5 star reviews

in the past 90 days

11550% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

high interest rate Really good way of keeping track of money and spending safely. Interest rate is very high though Reviewed on: 15th June 2026

Latest lowest rating:

2

Buyer protection is a myth Offered no buyer protection or support after I was ripped off by a watch company never followed up on the complaint I made about it. Reviewed on: 15th June 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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PayPal PayPal Credit reviews (139237)

Convenient for payment processing

Convenient for payment processing Reviewed on: 6th June 2024

PayPal is my go to payment method.

PayPal is my go to payment method wherever it is available. The payment options allow me to spread my costs interest free over 3-4 months. I am regularly informed about upcoming payments to help keep on track. Reviewed on: 6th June 2024

Good so far.

Good so far. Sometimes transactions are being declined and the statement account is not so clear. Reviewed on: 6th June 2024

Love paypal easy to use

Love paypal easy to use the pay in 3 option is great too Reviewed on: 6th June 2024

Accessabilty

Ease payment process across multiple platforms which is hassle free. Only improvement would be partnering with Amazon to provide PayPal credit service as a payment option. Reviewed on: 6th June 2024

Excellent just incase.

Excellent just incase you need that little more for something just out of reach with time to pay. Reviewed on: 6th June 2024

Good experience.

Good experience. Easy to use. Will continue to use. Reviewed on: 6th June 2024

Absolutely amazing Paypal credit is super easy to us...

Absolutely amazing Paypal credit is super easy to use and very safe and convenient Reviewed on: 6th June 2024

spreads the cost into manageable amounts

Pay in 3 helps spread the cost of larger purchases and options for 0% interest spread overtime allows me to purchase things I would've otherwise waited for. Reviewed on: 6th June 2024

Great but can slightly improve

PayPal has replaced the need to have several credit cards in order to gain the most out of them. However, it is a bit frustrating that sometimes I have to pay a fee to use it, like when I book tickets with KLM. Moreover, the interest rate on installments is quite high, making me really reluctant to buy the product. Reviewed on: 6th June 2024

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