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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148318 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 (148318)

Online safety.

I always use paypal for online transactions because its safest way to shop online Reviewed on: 13th May 2026

PayPal credit makes large purchases easy & affordable.

PayPal credit makes large purchases easy & affordable. Or make easy payments online for smaller purchases. Reviewed on: 13th May 2026

Been using Paypal credit to help build my credit sco...

Been using Paypal credit to help build my credit score recently and it's been working well. Reviewed on: 13th May 2026

Fantastic feature! Plenty of time to pay!

Gave me plenty of time to pay for concert tickets, a new phone etc. customer service are only a phone call away too and happily gave me a refund from their own pocket when the company I purchased from failed to do so when I returned the items. PayPal credit has been a life saver in certain scenarios as I previously mentioned, my phone broke and I was in desperate need of a new one but hadn't been paid yet so PayPal credit came through for me when I needed it most. There's absolutely no interest too unless you fail to pay it off on time which is fantastic! Reviewed on: 13th May 2026

Excellent

I feel very good for you’re way of thinking customer thank you Reviewed on: 13th May 2026

Always available and no fuss service.

Always available and no fuss service. Makes things easily accessible and affordable. Also there is security on your purchases. Reviewed on: 13th May 2026

EXCELLENT SERVICE

Easy to use app, customer service is excellent Reviewed on: 13th May 2026

Great to spread the cost of purchases,

Great to spread the cost of purchases, Reviewed on: 13th May 2026

Easy way to pay

Easy! No hassle, swift and efficient! Reviewed on: 13th May 2026

It's a good service and is very easy to use it.

It's a good service and is very easy to use it. Reviewed on: 13th May 2026

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