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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148300 reviews)

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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

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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 (148300)

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

Absolutely helpful!

Good! I have used PayPal credit with 0 interest - pay in 3 for my flight bookings. Absolutely fantastic product, was helpful during my emergency. Reviewed on: 20th June 2026

Excellent service.

Excellent service. Great way to pay for items on interest free for 4 months Reviewed on: 20th June 2026

Great experience

Never had a problem when using PayPal credit, I feel confident when using it if there was a problem they would help me resolve any issues Reviewed on: 20th June 2026

Easy to set up and gives peace of mind

Got an excellent offer of an interest free deal to update my old computer. Was able to set up a direct debit for the monthly payments so can just sit back and not worry about it. Would definitely look to use them in the future if the need arises. Their reputation gives reassurance in this world of increasing numbers of scammers Reviewed on: 20th June 2026

Excellent Online Payment Service

I’ve had a very positive experience using PayPal. The platform is easy to use, secure, and makes sending and receiving money quick and convenient. I particularly appreciate the buyer protection and the ability to make online purchases without sharing my bank details with merchants. Transactions are usually processed smoothly, and whenever I’ve needed support, the service has been helpful and professional. Reviewed on: 20th June 2026

We use PayPal for anything that we can.

We use PayPal for anything that we can. We have never been refused, discriminated against or had any issue when on the odd occasion we have had to raise a complaint. We have used both pay in 3 and PayPal credit. We would definitely recommend PayPal and will definitely keep on using them. Reviewed on: 20th June 2026

Love PayPal!

Love how you can buy things and pay later! The interest rates are extremely low too! Reviewed on: 20th June 2026

Awesome service

Anything purchased over £100 is always recommended for 4 months interest free credit which is super helpful. I had a dispute with a seller and after an investigation Paypal was happy to refund me after ruling in my favour. I Use Paypal for safe transactions where I don't want to give my bank details to vendors. Excellent service. Reviewed on: 20th June 2026

very flexible services - I can pay in many ways

very flexible services - I can pay in many ways Reviewed on: 20th June 2026

Paypal is secure and inters of customer exoerience u...

Paypal is secure and inters of customer exoerience using apps etc Paypal shines Reviewed on: 20th June 2026

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