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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148294 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 (148294)

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

It’s nice to have 4 months at 0%

It’s nice to have 4 months at 0% Reviewed on: 20th June 2026

Easy to set up and just as easy PayPal spending to use

Easy to set up and just as easy to use Reviewed on: 20th June 2026

Always easy to use.

Always easy to use. Makes paying online easy and safe. Includes excellent protection from scammers. Reviewed on: 20th June 2026

Very simple and easy to use.

Very simple and easy to use. The pay in 3 option is very helpful and a much easier way to purchase a more expensive item. I also use PayPal credit again interest free for a period of time but a good way of buying expensive items. Reviewed on: 20th June 2026

PayPal has enabled me to have a better quality of li...

PayPal has enabled me to have a better quality of life being able to pay in smaller chunks is brilliant just paying for thing in general is easier than having to keep entering my card details and also trusting me with credit has been a bless thank you Reviewed on: 20th June 2026

I try to use PayPal for everything as the customer s...

I try to use PayPal for everything as the customer services is brilliant Reviewed on: 20th June 2026

It's just really handy you know :)

It's just really handy you know :) Reviewed on: 20th June 2026

Simple and easy

Simple and easy to utilise and 4 months interest free on purchases is a great bonus Reviewed on: 20th June 2026

just worked as it should.

just worked as it should. Not issues at all Reviewed on: 20th June 2026

Never had a problem using PayPal.

Never had a problem using PayPal. If I have ever had any concerns they respond straight away. I have always recommended using PayPal to family and friends as I feel it is the safest way when purchasing items over the internet Reviewed on: 20th June 2026

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