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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148548 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 (148548)

Excellent clear online vision of account.

Excellent clear online vision of account. Easy to access anytime and timely reminders Reviewed on: 7th May 2026

Supportive when I need it, there when I need to spen...

Supportive when I need it, there when I need to spend, flexible and low interest rates, you just can’t beat them Reviewed on: 7th May 2026

Great way to budget ones spending.

Great way to budget ones spending. Also a handy way of sending money abroad for best rate. Reviewed on: 7th May 2026

Happy PayPal user for a number of years

Being using PayPal for a number of years without any problems or issues, so happy with the overall service Reviewed on: 7th May 2026

O love buying my shops with PayPal because is very e...

O love buying my shops with PayPal because is very essy and secure Reviewed on: 7th May 2026

Nice agents but sometimes, explanation is not clear

Nice agents but sometimes, explanation is not clear Reviewed on: 7th May 2026

Ease of use and financially the best.

Paypal is so much easier to use when buying compared to debit/credit cards. Their Credit facility is unbeatable. Reviewed on: 7th May 2026

Fantastic app.

Fantastic app. Clear information and very honest about what you will and will not be approved for Reviewed on: 7th May 2026

Safe money

Having been hacked several times. I now feel that my bank account is in safe hands and keep me in the loop. Reviewed on: 7th May 2026

Great other than wanting to cancel my credit account...

Great other than wanting to cancel my credit account easily, drew me back in to spending more money, but that may also be partially my doing Reviewed on: 7th May 2026

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