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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148658 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 (148658)

I love PayPal credit, it’s so easy to use.

I love PayPal credit, it’s so easy to use. The app keeps me updated on my spending and reminds me when I need to pay. The option to buy something and get 4 months interest free credit is a fantastic way to spread the cost of big items. If you use it correctly you don’t end up paying any interest. Reviewed on: 9th June 2026

Brilliant safe method of payment.

Brilliant safe method of payment. Great pay in 3 offers so easy to use. Customer service outstanding Reviewed on: 9th June 2026

No complaints, good, reliable service

Never had an issue with PayPal and generally I've been very happy with the service. It's onvenient to use for payments and money can be withdrawn quickly and easily. I think the app is very good also - simple to login and use. Reviewed on: 9th June 2026

Safest and easiest service!

I find the all the Paypal services provided are easy to understand and user friendly. I have a credit account set up and i can easily track and manage my payments. I also love the promotional offers and pay in 3 services Reviewed on: 9th June 2026

I have been a PayPal Credit customer for a few years...

I have been a PayPal Credit customer for a few years now, and I am thoroughly impressed with the service. What I love most is the 0% interest offer for the first 4 months on purchases, which makes managing larger expenses so much easier. Unlike other credit providers, PayPal makes tracking multiple 0% promotional purchases completely stress-free. The statements are clear and easy to read, showing exactly what balance is outstanding for each purchase and the precise monthly payments due. On top of that, the app is amazing. It allows you to manage absolutely everything in one place without any hassle. Highly recommended for anyone looking for transparent and convenient credit! Reviewed on: 9th June 2026

Excellent customer service.

Excellent customer service. I feel confident and comfortable shopping online and in store with PayPal. They make sure that I get my package before sending money to the seller online. I would always trust PayPal and recommend to family, friends and anyone who cares right know. Reviewed on: 9th June 2026

Never had an issue.

Never had an issue. Easy to use and feels secure. Reviewed on: 9th June 2026

Quick and easy with a back up too so great

Quick and easy with a back up too so great Reviewed on: 9th June 2026

I like PayPal.

I like PayPal. It is easy to use . It is safe. I receive regular or constant updates on purchase history, tracking of orders and the like . In the event of any issues and they are few. Customer service sorts it out quickly , politely and patiently . I find it excellent value as I always pay before I incur charges for credit . I rarely use any other form of payment these days . Reviewed on: 9th June 2026

A reliable and useful service.

I find PayPal easy to use, reliable and you have helpful customer services. Reviewed on: 9th June 2026

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