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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148318 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 (148318)

Paypal credit

Good 0%Apr rate on credit for first few months, customer service is always fast and helpful and refunds are processed quickly and safely Reviewed on: 6th June 2026

I am very happy with the service i receive from paypal.

I am very happy with the service i receive from paypal. Reviewed on: 6th June 2026

I never had any issues with PayPal and would highly...

I never had any issues with PayPal and would highly recommend it. Reviewed on: 6th June 2026

Easy and fast payment, with easy to understand app e...

Easy and fast payment, with easy to understand app experience. Reviewed on: 6th June 2026

Always easy, simple credit facility.

Always easy, simple credit facility. Convenient. Not had any issues. Reviewed on: 6th June 2026

Every time if I need to ask anything from customers...

Every time if I need to ask anything from customers service there is no long queue they answered me quick, really good and polite way of talking Reviewed on: 6th June 2026

Inefficient allocation of repayments

The time it takes to allocate the monthly repayment used to be a couple of working days, then a week, then ten working days. Now? Who knows! They don't care! Reviewed on: 6th June 2026

Always helpfull and understanding love the pay in 3...

Always helpfull and understanding love the pay in 3 option Reviewed on: 6th June 2026

Paypal often feels more secure

Paypal often feels more secure than bank card for payments online and the option to pay in 3 is incredibly helpful these days! Reviewed on: 6th June 2026

Easy to use.

Easy to use. Lots of options. Dispute resolutions are helpful Reviewed on: 6th June 2026

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