Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148380 reviews)

View other PayPal products

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

Read all reviews See your review

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 (148380)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024

Pay pal has always been convient to use.

Pay pal has always been convent to use and always very helpful when needed. Reviewed on: 1st July 2026

Easy to use

It is easy to use, and the fact that you are rewarded makes it an excellent financial product. Reviewed on: 1st July 2026

Easy to use.

Easy to use. Makes purchasing easy. App is easy to navigate and link to my account. I feel PayPal is a safer way of paying. Reviewed on: 1st July 2026

Problems solved

When ever I've had a problem it has been solved quickly and effectively by the staff, who are always friendly and helpful Reviewed on: 1st July 2026

Paypal credit provide an excellent service with grea...

Paypal credit provide an excellent service with great customer support. Reviewed on: 1st July 2026

Brilliant

Fast and easy reliable smooth and transitional Reviewed on: 1st July 2026

Always easy to use and available , it is good fit fo...

Always easy to use and available , it is good fit for me and often helps when i need to spread the costs over a little more time Reviewed on: 1st July 2026

I have been using PayPal for my online shopping for...

I have been using PayPal for my online shopping for years, and it is consistently the most reliable payment method I use. Checking out takes just a few clicks since I don’t have to type in my credit card details every single time. What I appreciate most is the peace of mind that comes with their Buyer Protection program. On the rare occasion that an item doesn't arrive or isn't as described, the dispute process has been straightforward and fair. The mobile app is clean, updates instantly, and makes sending money to friends entirely frictionless. Reviewed on: 1st July 2026

Easy payment options

One thing I really like about PayPal is that they offer four months interest-free, plus the option to pay in monthly instalments. It makes managing payments much less stressful since you don’t have to pay everything straight away. Reviewed on: 1st July 2026

It’s my everyday use card for online shopping

It’s my everyday use card for online shopping Reviewed on: 1st July 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Retail Finance
from Close Brothers 3.17 from 12 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 79468 reviews
Payments
from PayPal 4.71 from 3759 reviews
Credit card
from PayPal 4.70 from 101 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub