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PayPal: PayPal Credit reviews

View other PayPal products
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
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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 (148697)

"I’ve been using PayPal for years, and it’s easily t...

5
"I’ve been using PayPal for years, and it’s easily the most reliable way to pay online. What I love most is the security—I don’t have to enter my credit card details on every new site I visit. Their Purchase Protection has also saved me a couple of times when an item didn’t arrive or wasn't as described. It’s fast, secure, and accepted almost everywhere. Highly recommend!" Reviewed on: 7th May 2026
Jose V's avatar
Jose V

Great every time

5
Smooth and sound as always. PayPal is my preferred way. Reviewed on: 7th May 2026
Nikolay U's avatar
Nikolay U

Number one for ease of use

5
Easy to use, updates sent out regularly. Great app to keep you on track. Reviewed on: 7th May 2026
Jade 's avatar
Jade

Very easy to use, easily accessible and hassle free

5
Very easy to use, easily accessible and hassle free Reviewed on: 7th May 2026
Sarah C's avatar
Sarah C

Never had a problem.

5
Never had a problem. Great company. Easy to use Reviewed on: 7th May 2026
Headcarb's avatar
Headcarb

Easy to use.

5
Easy to use. Enjoyed the bonus offer for opening the account. Reviewed on: 7th May 2026
Ian K's avatar
Ian K

Payments

5
Easy process with payment hassle free Reviewed on: 7th May 2026
Shantal Chetty's avatar
Shantal Chetty

PayPal Credit Makes Online Shopping Simple and Flexible

5
PayPal Credit is very helpful and convenient for me because I use it to shop online quickly and securely without always paying the full amount immediately. It helps me manage my money better by allowing me to spread the cost of larger purchases over time, especially when interest-free offers are available. I find it easy to use since it works directly through my PayPal account, making checkout faster and more convenient on many websites. It also gives me peace of mind because of PayPal Buyer Protection if there are issues with an order. Overall, PayPal Credit helps me stay flexible with my finances while making online shopping simpler and more manageable. Reviewed on: 7th May 2026
Farah 's avatar
Farah

I have had no issues when calling.

5
I have had no issues when calling. Staff are always friendly and helpful Reviewed on: 7th May 2026
Jason G's avatar
Jason G

Very good credit provider with low interest rate, fr...

5
Very good credit provider with low interest rate, frequent credit increases and easy to use app and services, especially with the new credit card which can be used digitally and through a physical card to allow the use of PayPal credit on platforms that don’t normally accept paypal Reviewed on: 7th May 2026
Ant's avatar
Ant

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