Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148295 reviews)

View other PayPal products

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

Read all reviews Write a review

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.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.

Write a review

PayPal PayPal Credit reviews (148295)

Excellent financial tool

I use PayPal to spread out costs and find it quite useful Reviewed on: 9th June 2026

They have your back

If ever there are any issues with my purchase paypal sorts it out. Reviewed on: 9th June 2026

Top notch company.

I have used PayPal for many years, and have never had a problem. I have had occasion when somebody tried to scam me, but PayPal reimbursed me. A great company who I have recommended to several of my friends. Reviewed on: 9th June 2026

Its good overall using pay pal credit

Its good overall using pay pal credit Reviewed on: 9th June 2026

Never a challenge.

Never a challenge. Clear options and services Reviewed on: 9th June 2026

Great mechanism for making purchases more affordable

Great mechanism for making purchases more affordable and the app makes is super easy to manage. Reviewed on: 9th June 2026

Unproblamatic

Never had any problems. Haven't used all facilities but those I have were efficient and easy to use Reviewed on: 9th June 2026

PayPal is a real Pal

I’ve never got in touch with customer service’s due to PayPal being so easy and transparent that I’ve never had a problem. Reviewed on: 9th June 2026

Excellent service and App.

Excellent service and App. My go to for purchases on line. Reviewed on: 9th June 2026

Easy to use.

I've never had to use the PayPal customer service, so cannot comment on that aspect. However, I have always found it easy to use PayPal credit online and as someone who does not like doing financial things online, the website is usually easy to navigate. It is generally well set out and clear, so you can find what you're looking for and making payments is easy. Reviewed on: 9th June 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Better Off Calculator
from Policy in Practice 4.64 from 496 reviews
Very Account
from Shop Direct 3.38 from 27 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 79381 reviews
Payments
from PayPal 4.71 from 3759 reviews
Credit card
from PayPal 4.70 from 101 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub