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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148293 reviews)

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4.73

Based on 148,267 reviews, last reviewed 3rd Jul 2026

4477150% increase in 5 star reviews

in the past 90 days

13200% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Always helpful when i call, top security and purchas... Always helpful when i call, top security and purchase easily and confidently Reviewed on: 3rd July 2026

Latest lowest rating:

2

The interest rate is too high. The interest rate is too high. It will take forever to pay off the credit even if the minimum payment is almost 5% of the outstanding balance. Reviewed on: 3rd 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.

PayPal PayPal Credit reviews (148293)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Super easy to use!

Super easy to use and also very quick to find answers to any questions. Have used multiple times and have had no issues. Also good that you can quickly access the available amount and see how much is owed. You also get a monthly statement which is helpful to keep track of spending Reviewed on: 11th June 2026

It’s easy and hassle free to use.

It’s easy and hassle free to use. Once set up it’s just tap to pay Reviewed on: 11th June 2026

PayPal Credit handy wallet

PayPal Credit has come very handy when needed. Easily added to Google pay cards and can pay touch and go instantly. Really pleased! Reviewed on: 11th June 2026

Great options in terms of payment however interest r...

Great options in terms of payment however interest rates are high. Reviewed on: 11th June 2026

PayPal offers a more modern way of paying

PayPal offers a modern way of paying a multitude of retailers. The provision of interest free periods at 4 month when it goes over £100 and the pay over 3 months interest free option has worked well. Reviewed on: 11th June 2026

Great overall but payment system needs work

Its been great only issue id say i have is with payments, ill make a payment which wont come out when it should causing me to make another payment and the they come out at the same time. One gets refused due to insufficient funds and i get charged. That system needs to be overhauled. But overall cant complain ive had it for years and its been really good Reviewed on: 11th June 2026

It’s flexible and really easy to use

It’s flexible and really easy to use Reviewed on: 11th June 2026

They was helpful abd understanding all the situations

They was helpful abd understanding all the situations Reviewed on: 11th June 2026

Flexible, dependable and secure

The flexibility of Paypal is what I enjoy most. I know I can trust them for any size of purchase and have security. Reviewed on: 11th June 2026

Transparent

I have found PayPal to be totally transparent in all dealings that I have had with them. Reviewed on: 11th June 2026

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