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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.

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PayPal PayPal Credit reviews (148293)

Great services available, use often, rates are good.

Great services available, use often, rates are good. Reviewed on: 11th June 2026

I am enjoying the points loyalty scheme!

I am enjoying the points loyalty scheme! Reviewed on: 11th June 2026

I have used PayPal Credit for several years and have...

I have used PayPal Credit for several years and have found it to be a very convenient way to spread the cost of large purchases. You do have to keep track of when the 4 months interest runs out. Reviewed on: 11th June 2026

Flexibility

I use PayPal instead of Klarma now as much more flexible. Reviewed on: 11th June 2026

Highly recommend.

So easy to use & better than other credit cars with higher rates. The four months interest free on purchases over £100 is so useful. Reviewed on: 11th June 2026

Happy with the over all experience of Paypal.

Happy with the over all experience of Paypal. There could be a few better functions in the app especially around controlling your credit limit (at the moment you have to phone paypal direct to request a decrease). Many vendors accept paypal which is fantastic for online purchases. Reviewed on: 11th June 2026

Got a problem with a retailer, they took time to ref...

Got a problem with a retailer, they took time to refund me. Finally I had to contact PayPal customer service, then the problem sorted after explaining my situation to then. Got a full refund. Thanks PayPal customer service Reviewed on: 11th June 2026

They are excellent and fix any issues straight away

They are excellent and fix any issues straight away Reviewed on: 11th June 2026

Great payment services

Having used PayPal for many years and PayPal credit since they launched it, I have always found them to be great, no hassle credit providers and now they released a virtual card. Great news Reviewed on: 11th June 2026

Love having PayPal very gd credit card to have and v...

Love having PayPal very gd credit card to have and very low rates and i Allways tell my friends and family about it thanks PayPal Reviewed on: 11th June 2026

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