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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148581 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 (148581)

Flexible payment options and great customer service.

Flexible payment options and great customer service. An easy way yo pay Reviewed on: 13th May 2026

I’ve had a really positive experience using PayPal

I’ve had a really positive experience using PayPal Credit. The application process was quick and straightforward, and being able to spread the cost of larger purchases has been very helpful. The 0% interest offers on qualifying purchases make managing payments much easier, especially for unexpected expenses. I also like how seamlessly it works within my PayPal account — payments are simple to track, and checkout is fast and convenient at many online stores. The flexibility to pay over time without needing a traditional credit card is a big advantage. Overall, PayPal Credit is a useful and reliable option for online shopping and short-term budgeting when used responsibly. Reviewed on: 13th May 2026

Safe secure and great credit offering

Safe secure and great credit offering Reviewed on: 13th May 2026

Great payment planns excellent if you need to spread...

Great payment planns excellent if you need to spread the payments over the weeks Reviewed on: 13th May 2026

Very happy!

Very happy! Easy to use app, easy to borrow and easy to pay! Reviewed on: 13th May 2026

Easy to set up App simple to use

Easy to set up great for paying in 3 , app is clear and simple great to pay in 3 Reviewed on: 13th May 2026

Very helpful when it come to alternative in paying t...

Very helpful when it come to alternative in paying three payments. and helpful in giving allowances to pay later offerings Reviewed on: 13th May 2026

All my experience with PayPal are great rhey never p...

All my experience with PayPal are great rhey never put me downs Reviewed on: 13th May 2026

easy to pursie when i needed help to pay in...

easy to pursie when i needed help to pay in 3 Reviewed on: 13th May 2026

I love the safety of PayPal!

I love the safety of PayPal! Won’t buy anything online without it Reviewed on: 13th May 2026

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