Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148318 reviews)

View other PayPal products

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

Read all reviews See your review

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 (148318)

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

Reliable, trusted and multifaceted

I like that they offer many different ways to pay. And the new points system is great as I consistently trust paypal when I make purchases so earning points for future purchases is a no brainer :) Reviewed on: 20th June 2026

When I lack of money, PayPal always help me .

When I lack of money, PayPal always help me . PayPal is valuable, reliable and great. Reviewed on: 20th June 2026

Easy and simple to use

Easy and simple to use. Makes big purchases easy to handle. Low or no interest rate always helpful too. Reviewed on: 20th June 2026

Used paypal for over 10 years never had an issue, re...

Used paypal for over 10 years never had an issue, reliable and links with other cards Reviewed on: 20th June 2026

I’ve been using PayPal for years, and they never di...

I’ve been using PayPal for years, and they never disappoint. Transactions are lightning-fast, the interface is incredibly user-friendly, and I always feel secure making online purchases. Whenever I've needed customer support, they've been prompt and helpful. Highly recommend! Reviewed on: 20th June 2026

Good ways to pay for items and rates are good

Good ways to pay for items and rates are good Reviewed on: 20th June 2026

Best product

Whenever I buy something of greater value, I choose PayPal Credit because of the best offers on the market. I have never been disappointed and it has always been very helpful to me Reviewed on: 20th June 2026

Easy to use, stable app, great product

Never any issues with credit or pay in 3. Easy to use, stable app with good levels of security. Not used customer service but as mentioned never had a need to which I see as a bonus. Reviewed on: 20th June 2026

Very straightforward, excellent service would recomm...

Very straightforward, excellent service would recommend. Layout of the app is absolutely amazing. Tells you everything you need to know. I'm so happy i like the options that you keep that. You can do 3 equal payments. I love the debit card keeps you in control. Reviewed on: 20th June 2026

i am very happy with using paypal i never face any p...

i am very happy with using paypal i never face any problem with their customer service staff polite kind and knew their job doing well Reviewed on: 20th June 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Better Off Calculator
from Policy in Practice 4.64 from 496 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 79394 reviews
Payments
from PayPal 4.71 from 3759 reviews
Credit card
from PayPal 4.70 from 101 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub