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PayPal: PayPal Credit reviews

4.73
Based on 143,474 reviews, last reviewed 20th Jun 2026
4259350% increase in 5 star reviews
in the past 90 days
12150% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

The customer service is excellent and was navigating... The customer service is excellent and was navigating through the app is seco d to none. Above all the security is always excellent Reviewed on: 20th June 2026
nat nia's avatar
nat nia

Latest lowest rating:

1

You're better off getting a Money transfer elsewhere! PayPal takes way too long to update accurately the payments made to PayPal credit. This is ridiculous. will not use PayPal Credit again, better off ge... Read more Reviewed on: 19th June 2026
PayPal Sucks's avatar
PayPal Sucks

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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Help others make smarter decisions by sharing your own experience. Write a review

PayPal PayPal Credit reviews (143474)

Interest high but easy to use

4
The interest rates are high but everything is easy to use Reviewed on: 6th June 2024

Very easy to use and it is incredibly handy to have...

5
Very easy to use and it is incredibly handy to have access to. Reviewed on: 6th June 2024

I love it!

5
I love it! It’s been so helpful with helping me fill out my room and not having to worry about bank loans or stress. Thank you PayPal! I’ve been using PayPal credit for a year now and I’ve never had any issues Reviewed on: 6th June 2024

There is limit increase of PayPal credit for more th...

2
There is limit increase of PayPal credit for more than 2 years Reviewed on: 6th June 2024

All good no issues with using this service.

5
All good no issues with using this service. Offers bread options. Easy to manage Reviewed on: 6th June 2024

Very easy to use.

5
Very easy to use. Like how it asks you to confirm before the purchase. Very fast and easy. Reviewed on: 6th June 2024

Paypal Credit always saving me

5
Paypal Credit always saving me when I have unexpected expences. Broken fridge ? Not a problem Paypal have you covered Reviewed on: 6th June 2024

PayPal patron and I say yes!!

5
I’ve been using PayPal for a number of years now and it’s always great to get more expensive items and break them down over the 4 months interest free period. Reviewed on: 6th June 2024

Excellent service.

5
Excellent service. Flexible means of payment within a reasonable period of time. Great up to date information on what's outstanding and when the next payment is due. Faultless service. Reviewed on: 6th June 2024

Great financial aspects

5
Easy and convenient to use services, and my preferred payment method Reviewed on: 6th June 2024

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Help others make smarter decisions by sharing your own experience. Write a review