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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148692 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 (148692)

A good alternative.

A good alternative to paying upfront providing it’s managed closley. statements need improvement though Reviewed on: 9th June 2026

Efficient

Efficient and easy to use and understand. Honest. No hidden charges Reviewed on: 9th June 2026

Great rates

Best rates an introductory period of 0 on purchases over 100 compared to high street banks. Will definitely use over other cars Reviewed on: 9th June 2026

One of the most widely used

One of the most widely used, easy to set up and safe Reviewed on: 9th June 2026

Never had any issues.

Never had any issues. Would definitely recommend to others Reviewed on: 9th June 2026

Good and easy to use.

Good and easy to use. Great facility for larger purchases. Reminders form payment dates Reviewed on: 9th June 2026

PayPal offers financial freedom.

Using PayPal Credit made it easy to manage my finances with the 4 months interest free repayment. I also love the pay in 3 as it helps to spread payments into 3 instalments. It's even more better now that you can earn points, which can be turned into cash later. Reviewed on: 9th June 2026

Excellent service and reliable great customer servic...

Excellent service and reliable great customer service and polite staff Reviewed on: 9th June 2026

I use PayPal 90% of the time for the security, ease...

I use PayPal 90% of the time for the security, ease of use and that it is more accessible Reviewed on: 9th June 2026

Very easy to use and I would use again - recommend t...

Very easy to use and I would use again - recommend to people Reviewed on: 9th June 2026

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