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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148658 reviews)

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4.73

Based on 148,510 reviews, last reviewed 4th Jul 2026

4488100% 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 so easy to deal with. Always so easy to deal with. Simple, straightforward and no nonsense! Reviewed on: 4th 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 (148658)

Review of the PayPal, PayPal Credit:

A must have!

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

All good things from paypal.

All good things from paypal. System is easy to use and repayments are clear and obvious. Reviewed on: 12th June 2026

Very easy to use, good customer service in case of a...

Very easy to use, good customer service in case of any issues Reviewed on: 12th June 2026

It really does offer everything I need.

PayPal has been excellent for me to manage my finances and to help spread big purchases over more months without accruing interest charges. Now there is a physical credit card to use, too, it really does offer everything I need. Reviewed on: 12th June 2026

Customer service

CS Handles a complain well. slow in responding Reviewed on: 12th June 2026

Easy to use and spread payments over several months.

Easy to use and spread payments over several months. Makes managing money easy. Good customer service of something goes wrong. Reviewed on: 12th June 2026

Great online banking platform

I’ve been using PayPal for years now , I use for transactions for online buying because I feel safe using this system , and have in over 10 years never had any issues would recommend to anyone who purchases online regularly. Reviewed on: 12th June 2026

PayPal credit is our default credit when needed.

PayPal credit is our default credit when needed. The simplicity of use and convenience is fantastic Reviewed on: 12th June 2026

Very smooth process and a fantastic way to pay for e...

Very smooth process and a fantastic way to pay for essential needs Reviewed on: 12th June 2026

Makes paying for items simple.

Makes paying for items simple. Most online retailers except PayPal Reviewed on: 12th June 2026

PayPal is for me !

PayPal is straight forward and easy to use. When I have had a problem their customer service has been superb in sorting it out for me. They give options on ways of payment eg. Credit, Pay In Three, straight from bank etc. this suits my way of shopping and I like having the choice. I use PayPal as my main option for paying for things as I know I’m safe with them. Reviewed on: 12th June 2026

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