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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148268 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 (148268)

It was so easy to apply and I was pleasantly surprised

It was so easy to apply and was pleasantly surprised at the process and that I was approved in minutes. I needed to buy a new hob so this was an emergency buy and PayPal Credit was a complete lifesaver for my small catering business Reviewed on: 9th May 2026

Easy & straight forward

Easy & straight forward transactions Reviewed on: 9th May 2026

PayPal is a handy secure way to pay.

PayPal is a handy secure way to pay. PayPal credit is even better, allowing me to easily spread the cost of purchases over 4 motions without interest. Genuinely amazing. A life saver, Reviewed on: 9th May 2026

My experience has been good, it has helped me with b...

My experience has been good, it has helped me with bills and birthday present for my family Reviewed on: 9th May 2026

Great customer service support.

Great customer service support. Constantly improving customer experience by delivering great and quality outcomes. Reviewed on: 9th May 2026

Really easy to use excellent

Really easy to use excellent quick customer service Reviewed on: 9th May 2026

Difficult to track individual items paid on differen...

Difficult to track individual items paid on different rates. E.g. pay in 3 Reviewed on: 9th May 2026

I love PayPal - no more credit cards for me

So easy to use and great available credit on small purchases Reviewed on: 9th May 2026

PayPal has always been prompt in responding to queries.

PayPal has always been prompt in responding to queries. I love that I can make large purchases and split into 4 smaller payments. I use PayPal every time I buy online. PayPal gives me piece of mind and adds another tier of security Reviewed on: 9th May 2026

So simple and so easy to use such a friendly use app

Just so easy to use and so simple even so me as I'm not a big on phones and how to use apps on it Reviewed on: 9th May 2026

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