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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148672 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.

PayPal PayPal Credit reviews (148672)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

I use PayPal whenever possible

I use PayPal whenever possible. The flexibility it provides and the range of payment options, combined with the easy of use of the smartphone app make it my go-to preferred payment method. Reviewed on: 21st June 2026

Great option for Payment

First time I use Credit and it was very similar and useful, including the discount for my first purchase thanks Reviewed on: 21st June 2026

Helpful and professional

When I returned a faulty product back. The seller is on ebay deducted the postage back to them which was unfair for a faulty product. I got PayPal involved and they refunded me.Also they often provide you with a few months of interest free shopping which really helps to spread the cost Reviewed on: 21st June 2026

Perfect credit option

Great service. Useful and easy. A great way to access cheap short term manageable credit Reviewed on: 21st June 2026

It means no worries

I’ve been with PayPal for a long time and have never had a problem. Reviewed on: 21st June 2026

Easy to and quick to apply, just a few steps to comp...

Easy to and quick to apply, just a few steps to complete the application, often pre-approved, flexibility to pay off the balance early.. Reviewed on: 21st June 2026

Easy to use and a great experience all round

Easy to use and a great experience all round Reviewed on: 21st June 2026

Excellent, provides the flexibility you need.

It’s excellent being able to use pay pal credit without the usual interest rate fees for the first 3-4 months of a purchase. It gives me flexibility to pay back what I can afford each month and not worry about the interest fee stinging me. It’s a great option for bigger purchases that may require more time to pay off. It’s been a life saver. Reviewed on: 21st June 2026

Easy and variety payment methods

Easy and variety payment methods Reviewed on: 21st June 2026

Helps manage my money

Helpful for managing finance of large purchases. Reviewed on: 21st June 2026

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