Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148289 reviews)

View other PayPal products

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

Read all reviews Write a review

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.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.

Write a review

PayPal PayPal Credit reviews (148289)

So easy to use , the app gives you a great control o...

So easy to use , the app gives you a great control of your spending clear instructions of what you have spent , when the payments are due. Your interest free periods Reviewed on: 4th May 2026

Great experience...

I have great experience with PayPal, highly recommend to anyone Reviewed on: 4th May 2026

Helpful credit option with a smooth repayment process

I’ve had a generally positive experience using PayPal Credit. The application process was simple, and it’s been useful for spreading the cost of larger purchases. Payments are easy to manage through the app, and I like being able to track everything in one place. Customer service has also been helpful whenever I’ve had questions. Overall, it’s been a convenient and reliable way to manage purchases online. Reviewed on: 4th May 2026

Credit availability is excellent

Credit availability is excellent Reviewed on: 4th May 2026

Using PayPal has made my online transactions so much...

Using PayPal has made my online transactions so much easier and more secure. I appreciate how quickly payments go through and how simple it is to send or receive money. The app is very user‑friendly, and I like that I can track everything in one place without any confusion. One thing I value most is the security—PayPal gives me confidence whenever I’m paying for something online. The buyer and seller protection features also provide extra peace of mind. Overall, PayPal has been reliable, fast, and convenient for my everyday financial needs. I’m happy with the service and would recommend it to anyone who wants a safe and straightforward way to manage payments. Reviewed on: 4th May 2026

Paypal is a safe and very user friendly way to s...

I find Paypal a safe and very user friendly way to shop and pay for products online. Costumer Service is excellent and were very helpful explaining how the different payment methods work and how interest is applied. Would highly recommend Paypal Credit as it is now so widely available and easy to monitor payment etc. In the user friendly app. Reviewed on: 4th May 2026

I love buying with paypal.

I love buying with paypal. Super convenient Reviewed on: 4th May 2026

Easy to use on many platforms.

Easy to use on many platforms. Access straightforward, utilisation of affordable credit well documented and nice incentives. App gives clear updates on status and due dates, prompts to pay early are always highlighted. Reviewed on: 4th May 2026

Simple, safe and Fast!

Simple, safe and Fast! PayPal is my go to for online purchases Reviewed on: 4th May 2026

Never let me down.

Never let me down... whenever I've needed help the customer service was excellent... Reviewed on: 4th May 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Novuna Personal Finance 4.74 from 173 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 79374 reviews
Payments
from PayPal 4.71 from 3759 reviews
Credit card
from PayPal 4.70 from 101 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub