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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148671 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 (148672)

Flexible payments, clear statements and regular reviews

Flexible payments, clear statements and regular reviews Reviewed on: 8th June 2026

Good for pay in 3 as this takes a lot of pressure of...

Good for pay in 3 as this takes a lot of pressure off by splitting tje payments Reviewed on: 8th June 2026

Easy to use and always helpful if issues arise with...

Easy to use and always helpful if issues arise with retailers and I need a refund. Reviewed on: 8th June 2026

Great service that offers safe reliable ways of payi...

Great service that offers safe reliable ways of paying for items online. I am particularly fond of the option to use pay in 3 which is really useful in helping balance finances. Alongside useful information on crypto making investment achievable Reviewed on: 8th June 2026

its alway been good even when somthing gose wrong

its alway been good even when somthing gose wrong Reviewed on: 8th June 2026

Excellent experience and customer service

Excellent experience and customer service Reviewed on: 8th June 2026

PayPal credit is brilliant for budgeting over a few...

PayPal credit is brilliant for budgeting over a few months without any interest. It's helped me purchase a variety of items from trips away, new large appliances, furniture etc. Any issues I've ever had with purchases from sellers (I've had a couple) have been resolved quickly and effectively Reviewed on: 8th June 2026

Great for Managing Larger PurchasesVery pleased wi...

Great for Managing Larger Purchases Very pleased with PayPal Credit. It's straightforward to use, payments are easy to keep track of, and the interest-free offers on qualifying purchases are especially helpful. I've found it to be a convenient and dependable way to spread the cost of bigger purchases. Reviewed on: 8th June 2026

Good service but hard to contact support

Good service but hard to contact support Reviewed on: 8th June 2026

Excellent

I love PayPal. Easy to pay safely online. I love using the credit on holidays, and I have 4 months to pay back with no interest. Reviewed on: 8th June 2026

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