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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148308 reviews)

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4.73

Based on 148,267 reviews, last reviewed 3rd Jul 2026

4477150% 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 helpful when i call, top security and purchas... Always helpful when i call, top security and purchase easily and confidently Reviewed on: 3rd 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 (148308)

Very easy and clear to manage and control finances

Very easy and clear to manage and control finances Reviewed on: 9th June 2026

Great rates on Credit!

Amazing service. Really appreciate it. Used PayPal Credit for a holiday! Reviewed on: 9th June 2026

Paypal Pay in Three - Brilliant service

I have used Paypal 'Pay in three' which has been a great way to spread the costs of my purchases. My experience has been excellent with no issues. Reviewed on: 9th June 2026

Good. Would recommended

Good. Easy to use. Would recommend Reviewed on: 9th June 2026

Enables me to purchase more expensive items with pay...

Enables me to purchase more expensive items with pay in 3/4 security in the back up! Reviewed on: 9th June 2026

Pay pal is so easy to use even for a tech phobe like...

Pay pal is so easy to use even for a tech phobe like me..Good for pay in 3 and 3 months interest free credit. Reviewed on: 9th June 2026

I joined as originally linked to eBay.

I joined as originally linked to eBay. But I still use, I like the reminders it sends to make monthly payments. I like the ease and reliability of it. I don’t have anyone to recommend it to though. I am disabled and housebound. Reviewed on: 9th June 2026

Easy to use.

Easy to use. And when fraud, PayPal is very easy to deal with compared to my regular bank where it can take weeks to get a refund. My only grape is that I wish transactions were more itemised and specific. Reviewed on: 9th June 2026

Positive , its always nice to know its there if...

Positive , its always nice to know its there if needed Reviewed on: 9th June 2026

Easy to use with great online security

Easy to use and secure online purchases always knowing your money is safe from scams . Reviewed on: 9th June 2026

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