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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148642 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 (148642)

Easy to use and great customer service

Easy to use and great customer service Reviewed on: 11th May 2026

If I've had a problem it's easy to call them and the...

If I've had a problem it's easy to call them and they have sorted it out very quickly. Reviewed on: 11th May 2026

Convenient and Flexible Online Credit Option

PayPal Credit has been easy to use for spreading the cost of purchases and managing payments online. I like the flexibility of interest-free offers when available, and payments are simple to track but overall it has been a reliable and convenient credit option for online shopping. Reviewed on: 11th May 2026

Great little fund to fall back on.

Great little fund to fall back on. What i like most is the fraud investigation team, i always use paypal to ensure i have added security when making transactions. Another thing i like is 0% interest on purchases for 4months come in very handy and doesnt make it feel like you are borrowing money! Highly recomend. Reviewed on: 11th May 2026

Great service

Never had an issue and if i had they been very helpful Reviewed on: 11th May 2026

Excellent service, easy to access

Excellent service, easy to access Reviewed on: 11th May 2026

Better than regular credit cards!

Better than regular credit cards! Useful for online purchases etc. Reviewed on: 11th May 2026

GREAT EXPERIENCE SAFE WAY TO PAY EASY TO USE

GREAT EXPERIENCE SAFE WAY TO PAY EASY TO USE Reviewed on: 11th May 2026

PayPal credit is convenient and cost efficient

PayPal credit is convenient and cost efficient Reviewed on: 11th May 2026

Just super easy.

Just super easy. Easy ways to pay and updates regularly making it completely hassle free. Reviewed on: 11th May 2026

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