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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148725 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 (148725)

Review of the PayPal, PayPal Credit:

A must have!

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

Love paypal credit!!

PayPal credit is easy and reliable to use! I use it all the time! Reviewed on: 12th June 2026

An easy way to pay and easy to use

An easy way to pay and easy to use Reviewed on: 12th June 2026

All in all paypal is an excellent service provider.

All in all paypal is an excellent service provider for paypal for goods and services and paying family and friends. But it is a bit confusing when you have to refund something that as been paid through goods and services. Which I did recently and my balance did not add up to whats was received and refunded. Reviewed on: 12th June 2026

Great to use but poor protection from scam

I have had 2 experiences where I have been scammed by sellers and items have been counterfeit and just not arrived and paypal protection wasn't worth the paper it was written on. Reviewed on: 12th June 2026

Safe and useful cheap and so convenient

Safe and useful cheap and so convenient Reviewed on: 12th June 2026

Easy to set up, transparent fees and great offers fo...

Easy to set up, transparent fees and great offers for credit. The app helps keep you in control and setting up regular payments is very easy to do. Reviewed on: 12th June 2026

Paypal gives me peace of mind.

Paypal gives me peace of mind the transaction will be safe. Paying monthly bills is not fast enough- the transaction takes forever to clear and show as paid. Reviewed on: 12th June 2026

I love using PayPal.

I love using PayPal. The options to pay in 3 or on my PayPal credit has been a lifesaver for me. I’m able to manage and budget far better. Reviewed on: 12th June 2026

Easy to use, and easy to budget,

Easy to use, and easy to budget, Reviewed on: 12th June 2026

Helpful credit

Efficient, fair, reliable, easy to access definitely helpful i would recommend it to anyone! It can help to spread the costs of anything from plane tickets to home accessories Reviewed on: 12th June 2026

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