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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148295 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 (148295)

Easy to use, helps spread the amount while buying a...

Easy to use, helps spread the amount while buying a product Reviewed on: 9th June 2026

Excellent Service and Flexible Payment Options

I’ve had a very positive experience with PayPal Credit. It provides a simple and flexible way to manage purchases, especially for larger items. The application process was quick, the account is easy to manage online, and payments are straightforward to track and make. I appreciate the clear communication and the convenience of having flexible payment options when needed. Overall, it’s a reliable financial product that has worked well for me, and I would happily recommend it to others. Reviewed on: 9th June 2026

Flexible and Easy to Use

PayPal credit gives simple flexibility to my finances for those unexpected expenses like washing machine replacements. While pay in 3 is a great set and forget purchase tool. Reviewed on: 9th June 2026

PayPal is now part of my DNA!

PayPal helped me to manage my finances, increase my credit score. I have always felt so safe and secure using their services and have done for many years now. Quick and easy to use and now become a daily part of my life when it comes to online payments and shifting money around. I wouldn’t like to live my life without PayPal! Thank you so much. Reviewed on: 9th June 2026

Great using PayPal credit you have 4 months interest...

Great using PayPal credit you have 4 months interest free especially if you love paying in full this is good Reviewed on: 9th June 2026

Great in every way

It's easy to use, straightforward and secure. Reviewed on: 9th June 2026

Its widely used and making payments are fast and safe.

Its widely used and making payments are fast and safe. Reviewed on: 9th June 2026

Always a way to pay - now, later, big, small

I use for all major purchases - usually split interest free over 4 months - and lots of little bits that come straight from my bank account a few days later. Good mix of purchases and always an option how to settle Reviewed on: 9th June 2026

Easy to use , reminders my payment needed , handy in...

Easy to use , reminders my payment needed , handy in some situations Reviewed on: 9th June 2026

5 star always

Great experience continuously, helpful advisers that have been trained to a high standard to support any query quickly. Reviewed on: 9th June 2026

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