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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148553 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 (148553)

Excellent

Had nothing but a great experience with PayPal when I've had an issue it has been easy to make contact and resolve any queries or issues I have experienced Reviewed on: 11th June 2026

I feel safe shopping online and the various options...

I feel safe shopping online and the various options for payment make budgeting easy Reviewed on: 11th June 2026

Great to split in 4 payments tax free.

Great to split in 4 payments tax free. UI can be improved as transactions in app are not very clear. Also I would be better to have an automatic minimum payment that does not incur in charges based on the 4 months offers and not just the minimum payment that then incurs in charges. Reviewed on: 11th June 2026

PayPal does everything I need quickly and efficiently.

PayPal does everything I need quickly and efficiently. The vast number of companies accepting PayPal now makes my first choice every time. The App is really easy to use and the reward scheme is exceptional. Reviewed on: 11th June 2026

Excellent services

Excellent very happy with the service. Reviewed on: 11th June 2026

I regularly use the Four Months Interest Free option...

I regularly use the Four Months Interest Free option in PayPal Credit. It allows me to purchase items that I don’t have the willpower to save-up for. But ensuring that I budget for the repayment comes more easily. I have bought Long haul air tickets and expensive presents for my grandkids this way. I also use PayPal Credit for day to day online purchases for it’s ease, fast and secure features. Reviewed on: 11th June 2026

PayPal credit is fantastic at spreading costs..

PayPal credit is great when you want to spread the costs. Their service is brilliant. There app is easy to use & check on your balance & make payments. There customer service & care is absolutely brilliant. Reviewed on: 11th June 2026

PayPal is excellent just before payday when one need...

PayPal is excellent just before payday when one needs to procure essentials; the "pay in 3" option means that food stuff and other items, such as personal hygiene items, are easy to manage. One may also pay off any "pay in 3" purchases early too. Reviewed on: 11th June 2026

PayPal is easy safe and convenient for me, I use it...

PayPal is easy safe and convenient for me, I use it for many purposes and never have any problems Reviewed on: 11th June 2026

I like the ease of using PayPal and the added securi...

I like the ease of using PayPal and the added security it offers when purchasing goods. Reviewed on: 11th June 2026

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