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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148620 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 (148620)

highly recommended

I’ve been using PayPal for a long time and have always found it convenient and trustworthy. Transactions are fast, the app is user-friendly, and it’s accepted by many online stores. Highly recommended. Reviewed on: 8th June 2026

No 1 for credit

Pay pal credit was so easy to apply for and really helped me when I was in desperate need, I had nowhere to turn to as past bad credit but had pay pal helped and the interest rates are fabulous Reviewed on: 8th June 2026

The best and safest payment method, nice experience...

The best and safest payment method, nice experience with them Reviewed on: 8th June 2026

PayPal account

Always been very reliable and helpful cheers Reviewed on: 8th June 2026

Reliable, seamless, trusted, secure.

Reliable, seamless, trusted, secure. Reviewed on: 8th June 2026

Great for bigger purchases!

I like that you can spread payments over three or 4 months and set up a direct debit to pay monthly and not miss a payment. I have always made good use of this feature. Reviewed on: 8th June 2026

Good deals and I’ve found to really useful around bi...

Good deals and I’ve found to really useful around birthdays and bigger house furniture purchases Reviewed on: 8th June 2026

Enjoyable service

I enjoy everything about using PayPal and the app is user friendly and easy to navigate. The only improvement would be for disputed payments / resolution centre to respond faster / writhing estimated guidelines Reviewed on: 8th June 2026

PayPal is one of the best Finance organisations i ha...

PayPal is one of the best Finance organisations i have used. Trusted and reliable. I had the opportunity to buy a treat for myself with no pressure of paying back in full and no deposit on the account whcih was so wonderful. While i was purchasing the product, I had an issue with my first purchase, which required a refund and payback with Paypal. After trying to help myself for a few days on the app, the staff really helped me sort it out almost immediately while i was on the phone with them. They were patients and reassuring. I was also given different choices on how to make the payment back. I have used it several times and would definitely carry on with it. Reviewed on: 8th June 2026

Always a reliable helping hand

I’ve had a consistently great experience with PayPal Credit. It’s been really helpful over time, especially when I’ve needed a bit of flexibility. Everything has always worked smoothly for me, and it’s come in handy more times than I can count. Simple, reliable, and stress-free whenever I’ve needed it. Reviewed on: 8th June 2026

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