Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148268 reviews)

View other PayPal products

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

Read all reviews Write a review

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.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.

Write a review

PayPal PayPal Credit reviews (148268)

Pay pal..big up

Always available and reliable with no issues or problems Reviewed on: 6th June 2026

Simple and easy to apply, great customer service and...

Simple and easy to apply, great customer service and excellent choice of payment plans. Far better than competitors such as klarna and clear pay. Reviewed on: 6th June 2026

It's always easy to use.

It's always easy to use. Makes paying with credit easy and best of all easy to pay off. Reviewed on: 6th June 2026

Pay pal is an Easy manageable clear way to utilise c...

Pay pal is an Easy manageable clear way to utilise credit. With good app and notifications to support monthly payments and reminders. quick payments and logins make it usable across sites and it is widely available at most retailers. Reviewed on: 6th June 2026

Both secure and Easy to use

Both secure and Easy to use either send or receive money. Reviewed on: 6th June 2026

Very easy to use, widely accepted.

Very easy to use, widely accepted. Payment plans xvailsbke to suit my budget Reviewed on: 6th June 2026

Fantastic service

Always great service from start to finish keeps an eye on your spending very knowledgeable customer services Reviewed on: 6th June 2026

Changes the way to Pay

I've had no issues what so ever since joining PayPal Credit . Simple to setup and start using right away . Reviewed on: 6th June 2026

Simple & easy to use

Convenient and easy to use, makes spreading the cost simple. Pay minimum amount or more. Reviewed on: 6th June 2026

I over pay my minimum payments early and still get c...

I over pay my minimum payments early and still get changed miss payment fees when you try and sort it the ques are long and I gone have time to wait Reviewed on: 6th June 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Loan
from Snap Finance 4.82 from 370 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews
Better Off Calculator
from Policy in Practice 4.64 from 496 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 79366 reviews
Payments
from PayPal 4.71 from 3759 reviews
Credit card
from PayPal 4.70 from 101 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub