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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148746 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 (148746)

One in Theee

I use the 3payments it's so convenient it takes minutes to organise Reviewed on: 14th May 2026

Very easy to use and quick communication if anything...

Very easy to use and quick communication if anything isn’t right Reviewed on: 14th May 2026

PayPal is easy

PayPal is easy and flexible and helps spread repayments when you need it! Would definitely recommend Reviewed on: 14th May 2026

I used this paypal credit around 10 years!

I used this paypal credit around 10 years. Many times help me to buy expensive fly tickets, ebay products etc. and I paid back later month by month. I really appreciate for paypal this credit option. I also appreciate for a lots of credit purchase 0% interest if I paid back within 4 months. This is great option from paypal credit and really helpful. Thank you so much for a lots of help. ;) Reviewed on: 14th May 2026

A great service always helped with any issues that h...

A great service always helped with any issues that have happened Reviewed on: 14th May 2026

Easy to sign up and easy to use, would recommend to...

Easy to sign up and easy to use, would recommend to a friend Reviewed on: 14th May 2026

Never an issue brilliant service

Never an issue brilliant service Reviewed on: 14th May 2026

The process was very fast and efficient.

The process was very fast and efficient. Very easy online checkout.. Reviewed on: 14th May 2026

Flexibility with PayPal

PayPal is the most flexible way to balance your purchases, with a variety of options for instance pay in 3 which allows you to budget.on anything you buy or credit for larger purchases. Even when paying immediately, you have more security. Reviewed on: 14th May 2026

Great way to pay for larger purchases

I have used PayPal credit many times. It’s such a great way to pay for larger purchases, often with a zero interest rate over a certain number of months. Thank you PayPal! Reviewed on: 14th May 2026

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