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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148574 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 (148574)

Quick and easy to use , spread cost with no...

Quick and easy to use , spread cost with no interest Reviewed on: 1st July 2026

It is really good payment option

It is really good payment option Reviewed on: 1st July 2026

Excellent service top marks , always there to help

Excellent service top marks always there to help Reviewed on: 1st July 2026

I would recommend that you do something about paying...

I would recommend that you do something about paying on credit because if you use credit for two things, you can't separate the payments. Reviewed on: 1st July 2026

Great loved how fast this was to apply and get appro...

Great loved how fast this was to apply and get approved Reviewed on: 1st July 2026

Very useful with good prepayment structure

Very useful with good prepayment structure Reviewed on: 1st July 2026

full protection ,...

All of my online payments 10+years full protection ,In several cases that good did not deliver or come faulty Reviewed on: 1st July 2026

Great experience overall and great customer service...

Great experience overall and great customer service in solving disputes Reviewed on: 1st July 2026

Best credit facility in the market

Best credit facility in the market, as payment can be made in four months with zero interest. Paypal customer service is excellent too Reviewed on: 1st July 2026

I had money in my PayPal debit, ready to pay for my...

I had money in my PayPal debit, ready to pay for my flooring, but it wouldn't do it, I assume as was a large amount. So I put it on my credit then paid the amount off, but it paid off one of my monthly subscriptions, I had a year left, and they could sort it out and out the subscription back on, so I had to find 200+ extra to pay off. Which wasn't helpful. But overall I have had no problems and I like the pay in 3 option and credit option of pay over 4 month 0%. Reviewed on: 1st July 2026

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