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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148651 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 (148651)

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

Had no issues.No issues

Had no issues. Great service,. Everything in one service. Reviewed on: 1st July 2026

So convenient and safe to use.

So convenient and safe to use. Really like the different methods of spreading payments. Easy to use app. Reviewed on: 1st July 2026

PayPal experience

I've been using PayPal for over ten years now, and it’s still my go-to for online shopping. What I love most is that I don’t have to pull out my physical credit card or type in my banking info every time I visit a new website. It cuts down on checkout time significantly. Reviewed on: 1st July 2026

Generally a good experience.

Generally a good experience. Positives are it's easy to use, trust worthy. Negatives is the interest rates. Reviewed on: 1st July 2026

PayPal credit really helped me when I was struggling...

PayPal credit really helped me when I was struggling financially. I paid it off in time and paid no interest, great service! Reviewed on: 1st July 2026

Life made easier with transactions

Life made easier with transactions Reviewed on: 1st July 2026

Getting PayPal credit was very a easy process, the p...

Getting PayPal credit was very a easy process, the plus side was I saved money on the purchase. Reviewed on: 1st July 2026

Easy to use, well organised.

Easy to use, well organised. Easy to send money abroad and for purchases Reviewed on: 1st July 2026

It’s an easy way to spread cost over time and easy t...

It’s an easy way to spread cost over time and easy to make payments. Would definitely recommend Reviewed on: 1st July 2026

no pressure to spend money.

no pressure to spend money. constant update of account easy viewing of whats been spent and whats owing Reviewed on: 1st July 2026

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