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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148502 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.

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PayPal PayPal Credit reviews (148502)

Paypal was easy to use, competitive interest rate an...

Paypal was easy to use, competitive interest rate and easy to access and manage Reviewed on: 4th May 2026

Been using paypall for years.

Been using paypall for years.On few occasions used paypal credit.Easy to pay off with 0 interest. Reviewed on: 4th May 2026

Easy to use and navigate the app

Easy to use and navigate the app Reviewed on: 4th May 2026

Perfect.

Perfect. Everything I expected and more Reviewed on: 4th May 2026

Paying with PayPal has been very good and straightfo...

Paying with PayPal has been very good and straightforward Reviewed on: 4th May 2026

I have been a member of PayPal for years and I have...

I have been a member of PayPal for years and I have never had any problems. Reviewed on: 4th May 2026

Good credit options

The various deferred interest free payment options are great for managing emergency purchases and spreading cost over several payments - just keep an eye on the credit interest free periods to make sure you avoid or minimise interest payments - where possible use the 'pay-in-3' so you can't miss the payment deadlines. Reviewed on: 4th May 2026

Everything you need I one easy app .

Everything you need I one easy app .I'm 74 and northern best with tech but paypal is so easy to use Reviewed on: 4th May 2026

Safe payment

I feel more secure using PayPal than any other payment methods Reviewed on: 4th May 2026

Good options for 0% finance available.

Good options for 0% finance available. Reviewed on: 4th May 2026

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