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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148642 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 (148642)

PayPal, safe and easy

Easy, safe and most companies accept PayPal, have used this method of payment wherever I can because I know I’ll be safe with my transactions Reviewed on: 9th June 2026

PayPal is simple, easy to use and gives me confidenc...

PayPal is simple, easy to use and gives me confidence in terms of online security Reviewed on: 9th June 2026

Payments processed quickly, and securely.

Payments processed quickly, and securely. PayPal credit is easy to use. Reviewed on: 9th June 2026

Always have had problems with direct debit and one o...

Always have had problems with direct debit and one off payments. Never goes through on time. On paypal systems, payment is credited whereas nothing taken out from linked personal account. Customer services say it can take upto 8 business days, what century does paypal credit lives in? Also, the waiting time on the phone to make manual and instant payments takes very very long time. Even if you call direct number of paypal credit, call still lands somewhere in the Philipines for general customer services first. Reviewed on: 9th June 2026

Payment method of choice for online purchases

Paypal is my payment method of choice whenever purchasing online. I love the flexible payment options and regularly use pay-in-3 to spread the costs of larger purchases Reviewed on: 9th June 2026

Fantastic and easy to use

So easy to use. Clear communication and easy to understand terms and conditions. Really convenient to help spread the cost of purchases. Reviewed on: 9th June 2026

I use PayPal quite often and can't recommend it enough.

I use PayPal quite often and can't recommend it enough. Reviewed on: 9th June 2026

Excellent Service

Whenever I have had an issue with a bill, payment or dispute, PayPal have always stepped up and resolved my issues promptly and with professionalism. Each customer service agent has been polite, helpful and explained things to me in layman's terms which I could understand.all my issues gave been resolved within the stated timeliness. Reviewed on: 9th June 2026

The interest rate could be better

The interest rate could be better Reviewed on: 9th June 2026

Very good

Very easy to make some payments especially with Paypal Credit or Pay in 3. Reviewed on: 9th June 2026

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