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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148309 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 (148309)

So far I have been very pleased with PayPal

So far I have been very pleased with PayPal Reviewed on: 6th June 2026

Stress free..

I had an issue with a retailer you sorted the issue quickly and without stress Reviewed on: 6th June 2026

Very versatile

Very versatile, never any problems, use it all the time. Reviewed on: 6th June 2026

Great has worked well for me for years.

Great has worked well for me for years. Quick and easy payments and great pay in 3 options with some sellers Reviewed on: 6th June 2026

PayPal is giving me the option to spread the payment...

PayPal is giving me the option to spread the payments which is very helpful. Reviewed on: 6th June 2026

Outstanding service and easy to use

Outstanding service and easy to use Reviewed on: 6th June 2026

I’ve never had any problems using PayPal & customer...

I’ve never had any problems using PayPal & customer service is very good Reviewed on: 6th June 2026

Would love to learn more about earnings

Would love to lesrn more about earnings Reviewed on: 6th June 2026

Lifesaving in an instant

PayPal has saved me financially when I was having a hard time and my lifelong bank let me down. Payment options are varied, incentivised, and most importantly keep your actual account details hidden. Credit is easy, released in a sensible manner and allows you to improve your credit worthiness and credit score if you behave responsibly. Quite simply, PayPal gives me time and options which a lot of other services lack, and it's accepted, if not incentivised everywhere. The absolute peak, when you qualify, is the ability to use the virtual card in-store like any other, but still backed by the flexibility to choose how you actually pay. Honestly, this has been a revelation to me and PayPal shows the big banks how they should treat their customers. Reviewed on: 6th June 2026

Great experience, simple and easy to use.

Great experience, simple and easy to use. Reviewed on: 6th June 2026

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