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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148286 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 (148286)

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

PayPal is my go to for short term credit

PayPal is my go to for short term credit both pay in three and pay in four have been so convenient and simple recently. Also have been able to claim back some payments for goods which were not as advertised or completely suspect Reviewed on: 20th June 2026

Very simple and straightforward, great customer serv...

Very simple and straightforward, great customer service! Reviewed on: 20th June 2026

I love PayPal because I use it quite often when I bu...

I love PayPal because I use it quite often when I buy something it there if anything happens it’s there to help if you have to get your money back it really helps it’s a support for you. And if you get in touch with them they really support you. Iv always loved PayPal. Reviewed on: 20th June 2026

I use PayPal regularly for purchases as I know that...

I use PayPal regularly for purchases as I know that if anything goes wrong you have a reliable customer service to sort things out Reviewed on: 20th June 2026

Perfect solution

PayPal credit and debt cards are an amazing way to manage my money, the biggest bonus is 4 months interest free credit. PayPal offers so many options to spread payments, it so easy to manage n their app, plus customer service is incredible Reviewed on: 20th June 2026

First time using PayPal credit

Very easy to do. Can always check in the app how much is owed and when it is due. Also received a £20 reward for using PayPal credit which was great and saved me some money. Would definitely use again due to the convenience and ease of doing so. Reviewed on: 20th June 2026

It's very easy to use.

It's very easy to use. The payments are manageable and I can change the amount. You can set up an auto payment or choose when you pay. It can be used with most companies and from a small amount upwards. Interest free for 4 months. Reviewed on: 20th June 2026

Paypal should try more to get customer's refund whe...

Paypal should try more to get customer's refund when a such situation arise. Reviewed on: 20th June 2026

Easier to pay makes it more simple

Easier to pay makes it more simple Reviewed on: 20th June 2026

Paypals services have been a real life saver.

Paypals services have been a real life saver. The variety of payment plans has been extremely useful and helped me out when I've not had spare money to spend at times so being able to use the Paypal credit option and pay later has been absolutely fantastic. Love the pay in 3 option as well as it has allowed me to make purchases of things I need without me having to fork out the full amount in that month. Paypal has been an extremely satisfying service and the buyer protection scheme has saved me being ripped off by scam sellers or things being sold to me and the seller refusing to give me a refund and having PayPal on my side to step in and get my money back from them has really made me feel so grateful I have such a reliable service available to me. Customer service over the phone has been grate as well. Very polite and friendly and have solved issues very quickly and put my mind at ease. 10/10 for Paypal as it's an absolutely fantastic service. Reviewed on: 20th June 2026

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