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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148620 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.

PayPal PayPal Credit reviews (148620)

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 like the reminder of payments coming out but would...

I like the reminder of payments coming out but would like a reminder for the credit card as well as the pay 3 Reviewed on: 1st July 2026

I love 4 months interest free credit

I love that I can use PayPal credit and get 4 months to pay it off, it’s a real life saver Reviewed on: 1st July 2026

Downside is trying to get money back for items as it...

Downside is trying to get money back for items as it takes so long and no updates Reviewed on: 1st July 2026

Very good

I like to use this credit for personal purposes. Reviewed on: 1st July 2026

The rewards for spending are unparalleled, I make it...

The rewards for spending are unparalleled, I make it my go to for spending, I do wish more places accept Paypal. Reviewed on: 1st July 2026

Very user friendly process in everything that takes...

Very user friendly process in everything that takes place. Reviewed on: 1st July 2026

PayPal credit is very easy to use .

PayPal credit is very easy to use . Reviewed on: 1st July 2026

Overall good expirience.

Overall good expirience. All smooth and fast. Reviewed on: 1st July 2026

safe online purchases

Easy use for transactions safe online purchases Reviewed on: 1st July 2026

I am using PayPal when available

I am using PayPal when available as it is a safe way to pay for goods or services. The customer service is very helpful and quick. They have great offers such as pay in 3 or spread the costs over few months which is very helpful and easy to access and use. Reviewed on: 1st July 2026

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