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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148495 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 (148495)

Excellent service clear efficient messages

Excellent service clear efficient messages Reviewed on: 1st July 2026

Always polite helofil customer care

Always polite helofil customer care Reviewed on: 1st July 2026

Very happy

Outstanding easy to use hassle free Reviewed on: 1st July 2026

Very useful as a payment option.

Very useful as a payment option. I find it much more flexible than the pay in three options and it allows a longer period to pay off at zero percent. I would recommend PayPal Credit to others for sure. Reviewed on: 1st July 2026

Love PayPal but not PayPal credit

Great if you want it but difficult to cancel the PayPal credit. I think PayPal credit is purposefully confusing to hook people in. My mother didn’t realise what she was signing up for and so difficult to cancel. Reviewed on: 1st July 2026

I’ve used this service it’s good for paying off holi...

I’ve used this service it’s good for paying off holidays in 4 month or big purchases. Reviewed on: 1st July 2026

The only payment system you need for online purchases.

I have used PayPal for several years starting with paying for item’s bought on EBay. Now it’s my go to payment system on several online stores. The experience has been largely positive would recommend PayPal to family and friends Reviewed on: 1st July 2026

Excellent for piece of mind & support

Excellent for backing you up if your in the right. I was getting messed around by a "big" retailer on a refund, I contacted PayPal with the proof of return and receipt and 2 days later PayPal refunded me the full amount. Reviewed on: 1st July 2026

Safe, quick and easy.

Safe, quick and easy. Buying with confidence and reassurance Reviewed on: 1st July 2026

A Smooth and Hassle-Free Experience

I've had a positive experience using PayPal Credit. The application process was straightforward, and managing my account has been simple and convenient. Transactions are processed quickly, and I appreciate the clear information provided about payments and my balance. Whenever I've needed assistance, customer service has been helpful and professional. Overall, it's been a reliable credit card that has met my needs, and I would recommend it to others looking for a straightforward and easy-to-manage option. Reviewed on: 1st July 2026

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