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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148517 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 (148517)

Have generally received good advice from customer se...

Have generally received good advice from customer services Reviewed on: 9th June 2026

Good experience

Never had an issue using PayPal and makes payments very straight forward. It also provides protection when making purchases online. Reviewed on: 9th June 2026

I use PayPal for the "pay in 3"

I use PayPal for the "pay in 3" as it gives me a breather from bill paying. I also took up the offer, years ago, to buy Crypto and that is working out fine. All in all, I like PayPal Reviewed on: 9th June 2026

PayPal allowed a scamming website to retain my money...

PayPal allowed a scamming website to retain my money despite the fact that I demonstrated that I had been scammed. They blocked all my appeals after my first one. Reviewed on: 9th June 2026

Wholeheartedly recommend PayPal.

I have twice had issues with businesses that I'd paid using PayPal. PayPal fought my corner when those goods and services weren't as described and I got my money back. I'm not really much of a credit user but I have used PayPal Credit a few times to take the strain off one month into the next before I pay off, this has helped my credit score as well. Reviewed on: 9th June 2026

Great credit company No problems great response to a...

Great credit company No problems great response to any queries. The App is easy to use and use Thank you pay pal Reviewed on: 9th June 2026

During the Covid lock-down, my income from AirBnb co...

During the Covid lock-down, my income from AirBnb completely dried-up. Paypal credit helped me to get through this. Reviewed on: 9th June 2026

Peace of mind

PayPal gives me peace of mind when using it to pay for services and products online. The app is great, it's user-friendly and I have the paypal credit and debit card to help me manage my spending habits. Plus, it's a well recognised and trusted name and brand. Reviewed on: 9th June 2026

Convenient and easy to use.

Convenient and easy to use. Sending money to others is very quick and easy. Reviewed on: 9th June 2026

Easy to use and set up.

Easy to use and set up. Regular emails to keep on top of transactions. Transactions clearly listed with a date clearly displayed on when the 4 months interest free is expired. Easy to set up a direct debit. Reviewed on: 9th June 2026

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