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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148581 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 (148581)

Very useful credit tool!

Very useful credit tool! Easy to use online and helpful to use to spread the cost of some wedding essentials. Reviewed on: 7th May 2026

PayPal credit gives me a trusted line of credit that...

PayPal credit gives me a trusted line of credit that allows me more flexibility from a provider I trust. I do have a line of credit with my physical bank, but PayPal gives me access to credit online more easily, and I know I'm still protected. Reviewed on: 7th May 2026

The best credit provider I’ve come across

PayPal Credit is the best credit provider I’ve experienced. It all runs simply through the PayPal app where you can keep track of credit and repayments. The only downsides are that not all service providers accept PayPal and that however you dress it up, credit is a debt that you will owe with interest. The upsides are that it is simple to use, easy to track and you can set a direct debit for monthly repayments. Reviewed on: 7th May 2026

I have PAYPAL for many years and they improve vastly.

I have PAYPAL for many years and they improve vastly. I am very impress and happy with their service Reviewed on: 7th May 2026

Eases the financial burden...

I needed financial help and PayPal provided it, making it easy for me to spread the costs. Reviewed on: 7th May 2026

Excellent and efficient.

Excellent and efficient. The paypal credit app is so easy to use and keeps me track on how much i have spended on my card. Reviewed on: 7th May 2026

No problems and fast transactions

No problems and fast transactions Reviewed on: 7th May 2026

Had a deduction from my PayPal account which I hadn'...

Had a deduction from my PayPal account which I hadn't authorised and received a full refund the same day. Reviewed on: 7th May 2026

Love the piece of mind that my money is safe.

Love the piece of mind that my money is safe. Reviewed on: 7th May 2026

Had fraudulent transaction on post isl credit.

Had fraudulent transaction on post isl credit. Was nightmare trying to sort out Reviewed on: 7th May 2026

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