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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148760 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 (148760)

Easy to use

Good and easy to use over all when I have had a issues it has always been resolved in good time Reviewed on: 11th June 2026

Very easy to use.

Very easy to use. The 4months at 0% credit helps me a great deal. And the pay in three options. Reviewed on: 11th June 2026

So helpful.

So helpful. Easy to use. I would reccomend everyone to try PayPal. Using the service has transformed how I pay my bills. Reviewed on: 11th June 2026

Convenient app and payments

Convenient app and payments, no issues with making payments for products or people. Very easy to use. Reviewed on: 11th June 2026

PayPal is my most trusted & popular online payment o...

PayPal is my most trusted & popular online payment option. I always use when available. Reviewed on: 11th June 2026

Paypal is my go to.

Paypal is my go to. The process is so smooth and easy with a great app and quick TFA system. Rates are competitive and terms fair. Reviewed on: 11th June 2026

They are fantastic and super easy to use!

They are fantastic and super easy to use! Everything you need is in the app and it is very easy to keep track of payments and when to pay. I couldn't recommend them anymore! Very happy with the experience. Reviewed on: 11th June 2026

Setting up direct debit was real pain.

Setting up direct debit was real pain. resulting in numerous late charges as when I recieved an email informing me of a due payment. I immediately paid more than the minimum. It woulkd appear thaat this was not counted as a due payment and a late fee was generated Reviewed on: 11th June 2026

Easy to use and monitor

I have had no reason to contact customer services so cannot comment on that. But I find it great and easy to use. Can access my balance at any time and I feel protected using. PayPal as a payment option. Whether normal transaction, pay in 3 or PayPal credit.’ Reviewed on: 11th June 2026

Easy and safe

It's always there ready never had any issues so never had to ring anyone just so easy Reviewed on: 11th June 2026

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