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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148514 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.

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PayPal PayPal Credit reviews (148514)

Top notch

Top notch and great, absolutely seamless. I love it. Reviewed on: 11th June 2026

EASY TO USE CREDIT

Easy to use website and have benefits of interest free credit with expensive items. Reviewed on: 11th June 2026

I have used PayPal now for about 15 years.

I have used PayPal now for about 15 years. It is easy to use. But interest is very high Reviewed on: 11th June 2026

Paypal makes it simple end of the day.

Paypal makes it simple end of the day. I know that is too simplistic an answer, but its hard to say anymore than really need to. Reviewed on: 11th June 2026

"I had"I've found PayPal Credit easy to use.

"I had a very positive experience with PayPal Credit. The application process was quick and straightforward, and I received a decision almost instantly. It has been useful for managing larger purchases with flexible payment options. The PayPal app makes it easy to track my balance and payments. Overall, I've found it convenient and reliable, and I would recommend it to others who use PayPal regularly." Reviewed on: 11th June 2026

Convinient and easy

I have used paypal for years and i have found it to quick and easy to make payment. Reviewed on: 11th June 2026

Very easy to use.

Very easy to use. I like that I can pay with my phone and recieve the 0% offer. Reviewed on: 11th June 2026

Very easy service to use and a great range of...

Very easy service to use and a great range of products Reviewed on: 11th June 2026

Easy to use and easy to pay back in my...

Easy to use and easy to pay back in my own time Reviewed on: 11th June 2026

PayPal have been fantastic.

PayPal have been great! Would definitely recommend. Easy to sign up & get started & then helpful reminders to keep you in check. Brilliant service. Reviewed on: 11th June 2026

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