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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148542 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 (148542)

Easy next day delivery and more choice of of offers.

Easy next day delivery and more choice of of offers. Guaranteed back up Reviewed on: 10th May 2026

Convenient and flexible payments

PayPal Credit has been very useful for managing larger purchases and spreading payments in a simple way. The app is easy to use, payments are clear, and the direct debit setup gives extra peace of mind. Overall, a smooth and reliable experience with good flexibility when needed. Reviewed on: 10th May 2026

Excellent service

Easy to use while checking out and interest free for 4 months is really helpful. Reviewed on: 10th May 2026

Smooth experience using PayPal Credit

I’ve had a really smooth experience using PayPal Credit. The application process was quick and straightforward, and I got a clear decision almost instantly. It’s been especially helpful for spreading the cost of larger purchases without any hassle. The interface is easy to use, payments are simple to manage, and I like having the flexibility to pay things off early without penalties. Everything feels transparent, with no nasty surprises. Overall, it’s a really convenient option if you want a bit more control over your spending. Definitely a useful tool to have alongside a regular PayPal account. Reviewed on: 10th May 2026

PayPal credit for me is a life saver, it helps me wi...

PayPal credit for me is a life saver, it helps me with purchases and helps me manage my finances Reviewed on: 10th May 2026

PayPal was able to communicate with me and understan...

PayPal was able to communicate with me and understand my financial situation when I’m behind on payments Reviewed on: 10th May 2026

The payment and flexibility options offered make pu...

The payment and flexibility options offered make purchases easier. The option to raise a case if there are issues with the seller is quick & straight forward Reviewed on: 10th May 2026

Thanks for the opportunity to improve my credit history

They have given me the chance to prove my credit problems were in the past, my history is just that. Reccomend pay pal to everyone, so easy to use, very reliable and trustworthy Reviewed on: 10th May 2026

It’s always easy to use PayPal credit.

It’s always easy to use PayPal credit. Reviewed on: 10th May 2026

Have used PayPal credit for years.

Have used PayPal credit for years. Very convenient when needed! Reviewed on: 10th May 2026

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