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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148307 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 (148307)

A message for Support

I posted a message for Support, which was answered promptly and with minimal fuss. The query was resolved in good time. Reviewed on: 6th June 2026

Never had a problem whether it's buying or requestin...

Never had a problem whether it's buying or requesting a refund Reviewed on: 6th June 2026

PayPal Credit has been really useful and easy to use.

PayPal Credit has been really useful and easy to use. The 0% interest for 4 months option is very helpful for spreading the cost of larger purchases without extra fees. Everything is simple, quick and works smoothly through PayPal. I would recommend it to anyone. Reviewed on: 6th June 2026

A seamless experience with flexible payment options.

A seamless experience with flexible payment options. Reviewed on: 6th June 2026

They very helpful with refunds and issues with sellers

They very helpful with refunds and issues with sellers Reviewed on: 6th June 2026

Easy to resolve issues be it purchases or refund.

Easy to resolve issues be it purchases or refund.. Reviewed on: 6th June 2026

A really good credit facility to use.

Easy to apply and quick to get a decision. Widely available to use across a range of stores online and you can even obtain a physical credit card so you can use your credit in stores. The pay over a few months option is a great way to spread the cost without it costing you a penny more and automatic payments means you won’t miss a repayment. Overall a really good credit facility to use. Reviewed on: 6th June 2026

Really never had an issue with paypal

Really never had an issue with paypal - i feel that it is safe and its so very easy to use., Reviewed on: 6th June 2026

Helpful advice every time I was in touch with the cu...

Helpful advice every time I was in touch with the customer service Reviewed on: 6th June 2026

Outstanding Service and Complete Peace of Mind

I’ve been using PayPal for many years and have consistently had an excellent experience. The platform is easy to use, secure, and makes sending and receiving payments quick and hassle-free. Whether I’m shopping online or making personal transactions, I always feel confident knowing my payments are protected. What really stands out is the reliability and customer protection that PayPal provides. Transactions are straightforward, the mobile app works smoothly, and the added security features give me peace of mind when purchasing from new sellers. On the rare occasions I’ve needed assistance, issues have been handled professionally and efficiently. Overall, PayPal has become an essential part of how I manage online payments, and I wouldn’t hesitate to recommend it to others. Five stars – an excellent service that continues to deliver. Reviewed on: 6th June 2026

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