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PayPal: PayPal Credit reviews

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
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
Patrick S's avatar
Patrick S

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
Kim's avatar
Kim

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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Help others make smarter decisions by sharing your own experience. Write a review

PayPal PayPal Credit reviews (148538)

It’s soo easy to manage payments

5
It’s soo easy to manage payments Reviewed on: 9th May 2026

Easy to use and understand, easy to pay and setup di...

5
Easy to use and understand, easy to pay and setup direct debits Reviewed on: 9th May 2026

A useful service but can be a bit tricky when using...

4
A useful service but can be a bit tricky when using direct dibits Reviewed on: 9th May 2026

PayPal credit is excellent!

5
PayPal credit is excellent! The team are helpful and it is very easy to understand! Reviewed on: 9th May 2026

Using PayPal has been an excellent for me both recei...

5
Using PayPal has been an excellent for me both receiving and sending funds and I also I have the privilege to get accepted a PayPal credit which I use to get things done in case of emergency Reviewed on: 9th May 2026

Great way to pay for extra added protection

5
Great way to pay for extra added protection Reviewed on: 9th May 2026

Ease of use via the app and consistent decision buil...

5
Ease of use via the app and consistent decision build a great experience Reviewed on: 9th May 2026

Paypal have offered credit when I needed to buy a ne...

5
Paypal have offered credit when I needed to buy a new laptop. They remind me I would less interest if I were able to make larger payments. I like that Reviewed on: 9th May 2026

Payments

5
Kept well informed with Payments, easy to follow layout of transactions Reviewed on: 9th May 2026

The usage of PayPal credit is spot on.

5
The usage of PayPal credit is spot on. Reviewed on: 9th May 2026

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