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PayPal: PayPal Credit reviews

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
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
Russel's avatar
Russel

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
Kim's avatar
Kim

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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Help others make smarter decisions by sharing your own experience. Write a review

PayPal PayPal Credit reviews (148307)

Perfect spending tool

5
I find using PayPal easy and convenient. Having pay in 3 and PayPal credit gives me a lot more spending power, which total control using their app. Reviewed on: 4th May 2026

Great app easy to navigate and they offer great inte...

5
Great app easy to navigate and they offer great interest free options Reviewed on: 4th May 2026

I Feel 100% secure about Paypal....

5
The main reason I use Paypal is because I feel secure regarding my money. IF I'm not sure the website sale is legit, if they accept Paypal I know that I won't lose my money in case something goes wrong as I trust paypal 100%. They payment options such as pay in 3 are amazing as well. Reviewed on: 4th May 2026

Simple, Flexible Financing with PayPal Credit

5
PayPal Credit is a convenient option for managing purchases, especially for online shopping. The application process is quick, and once approved, you can spread the cost of larger purchases over time. I like the promotional interest-free periods, which make it easier to budget without extra fees if paid on time. It integrates smoothly with PayPal, so checkout is fast and secure. Overall, it’s a practical choice for flexible, short-term financing when used responsibly. Reviewed on: 4th May 2026

Always technically excellent balanced with the abili...

5
Always technically excellent balanced with the ability of human contact if and when required. Reviewed on: 4th May 2026

Easy way to pay online with a reassurance that I’m c...

5
Easy way to pay online with a reassurance that I’m covered if anything goes wrong with the supplier Reviewed on: 4th May 2026

Using PayPal Credit long time.

5
Using PayPal Credit long time. Simple, quick, good. Reviewed on: 4th May 2026

Paypal credit is simple and easy to use.

5
Paypal credit is simple and easy to use. Giving you that bit of flexibility for the purchases you really need Reviewed on: 4th May 2026

Good well done tksnothing more to say thank you

4
Good well done tksnothing more to say thank you Reviewed on: 4th May 2026

So many retail purchases where pay in 2 or interest...

5
So many retail purchases where pay in 2 or interest free is available so flexible Reviewed on: 4th May 2026

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