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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148420 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 (148420)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

Credit when I needed it, reasonable interest rates,...

Credit when I needed it, reasonable interest rates, great customer service Reviewed on: 11th June 2026

Great experience

The experience has been very user friendly and accessible. I highly recommend for a good and easy to use service. Reviewed on: 11th June 2026

Easy to use and great rates.

Easy to use and great rates. Very good app. Reviewed on: 11th June 2026

Always a good experience.

Been using PayPal for a long time. Never had any issues. Reviewed on: 11th June 2026

Quick and efficient.

Quick and efficient. Always reliable and easy to use Reviewed on: 11th June 2026

An excellent way to spread the cost

An excellent way to spread the cost and allows you to buy with confidence. Reviewed on: 11th June 2026

Use PayPal to spread the cost of more...

I often use PayPal credit to spread the cost of more expensive items it works well for me. Reviewed on: 11th June 2026

I had few issues over the years.

I had few issues over the years. Contacted customer service multiple times for refunds etc. Always very polite and willing to listen and advise Reviewed on: 11th June 2026

Excellent experience

I have had an excellent experience, at present I have had no issues. Reviewed on: 11th June 2026

Straightforward to figure out.

Straightforward to figure out and good support when it is needed. Reviewed on: 11th June 2026

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