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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148289 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 (148289)

I use PayPal and PayPal Credit for almost all purcha...

I use PayPal and PayPal Credit for almost all purchases. It’s safe, secure and so easy to use. I trust that I’m covered should I not receive my orders or if something is wrong with an item. Reviewed on: 9th June 2026

Great way of banking with your bank account

I’ve had no problems with PayPal been with them for over 10 years, I’m thankful for their occasional spread payments over three months, and now their own card account where you earn points when spending on your PayPal card. Unfortunately I cannot comment on their credit card. Reviewed on: 9th June 2026

i don't rite reviews on items i 1-10

i don't rite reviews on items i 1-10 Reviewed on: 9th June 2026

Top class service

Always helpful and polite staff when you contact them and nothing is too much trouble Reviewed on: 9th June 2026

Excellent service highly recommend

Excellent service highly recommend Reviewed on: 9th June 2026

love the pay 3 option and the interest free 4 6 12 o...

love the pay 3 option and the interest free 4 6 12 or 18 month option on the pay pal credit you get Reviewed on: 9th June 2026

Well worth having

I recently phone customer service and I helped me with the problem that I could understand as PayPal is worth having because you know you're not going to be scammed you always have help well worth having Reviewed on: 9th June 2026

It’s a good way to use credit, very clear and manage...

It’s a good way to use credit, very clear and manageable and payments are made easy with Paypal integrations. Paypal checkouts make it easy to use as well without the need for a physical card, and you get the usual Paypal protections. Reviewed on: 9th June 2026

My holiday saviour

I was on holiday and I lost my phone. I was panicking as had no money and I was finding the majority of shops and stores would not take Credit Cards. My American Express was easily accepted at the most unfortunate and inopportune moment. Giving me the confidence to get a new phone and Sim and feel I was free again to enjoy my travels. I would never leave home with it not by my side. Reviewed on: 9th June 2026

PayPal Credit

Helps me organise all of my finances much more easier in every way. Reviewed on: 9th June 2026

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