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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148548 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 (148548)

Paypal pleasantly surprises me every time with thei...

Paypal pleasantly surprises me every time with their offers. And the simplicity of the app is great. Reviewed on: 6th June 2026

I like getting 0% PayPal credit.

I like getting 0% PayPal credit. Reviewed on: 6th June 2026

Easy to set up and create direct debit preferences

Easy to set up and create direct debit preferences Reviewed on: 6th June 2026

Decent service

Whenever I have used it it's been okay. It takes ages for anything to refund though or to show on PayPal credit Reviewed on: 6th June 2026

I've been using PayPal Credit to pay back my phone.

I've been using PayPal Credit to pay back my phone. No issues at all, just a set amount coming out each month, over a custom time period Reviewed on: 6th June 2026

Pay in 3 it’s very helpful and flexible

Pay in 3 it’s very helpful and flexible Reviewed on: 6th June 2026

Great easy to use service

I love the fact I can control my own borrowing level Reviewed on: 6th June 2026

Excellent

Good.helpful and rewards points bonus Reviewed on: 6th June 2026

It's fine, does what it sets out to do

It's fine, does what it sets out to do Reviewed on: 6th June 2026

Excellent stuff

Excellent things and stuff. Lots off mega stuff and that Reviewed on: 6th June 2026

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