Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148582 reviews)

View other PayPal products

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

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 (148582)

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

I couldn’t live day to day without PayPal,

I couldn’t live day to day without PayPal, Reviewed on: 1st July 2026

Convenient to pay online and very secure

Convenient to pay online and very secure Reviewed on: 1st July 2026

Great easy access online but PayPal credit card has...

Great easy access online but PayPal credit card has been tricky to use. All sorted now. Overall happy and great with having loyalty points Reviewed on: 1st July 2026

Happy customer, easy to use, no issues

Happy customer, easy to use, no issues Reviewed on: 1st July 2026

Great payment solution, effective and easy to use

Great payment solution, effective and easy to use Reviewed on: 1st July 2026

Generally a good service!

Generally a good service with everything listed in a clear simple format. A decent company to shop with, I’ve been with them for years , and will continue into the future ! Reviewed on: 1st July 2026

Easy to use and good customer service

Easy to use and good customer service Reviewed on: 1st July 2026

I love earning points!

I love earning points! They’re always there when I need them. Reviewed on: 1st July 2026

Never had any issues when using PayPal.

Never had any issues when using PayPal, would recommend Reviewed on: 1st July 2026

Quick and efficient, extremely easy to use.

Quick and efficient, extremely easy to use. Acceptable on all platforms 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

Payments
from PayPal 4.71 from 3759 reviews
Retail Finance
from Novuna Personal Finance 4.74 from 173 reviews
Better Off Calculator
from Policy in Practice 4.64 from 496 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 79635 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