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PayPal: PayPal Credit reviews

4.73
Based on 148,510 reviews, last reviewed 4th Jul 2026
4488100% 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 so easy to deal with. Always so easy to deal with. Simple, straightforward and no nonsense! Reviewed on: 4th July 2026
Patrick S's avatar
Patrick S

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.

Review PayPal: PayPal Credit now

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

PayPal PayPal Credit reviews (148548)

Years of a reliable and trustworthy service

5
Years of a reliable and trustworthy service Reviewed on: 21st April 2026

Very helpful and easy to use excellent!

5
Very helpful and easy to use Paypal thank you! Reviewed on: 21st April 2026

Excellent service.

5
Excellent service.very reliable and safe to use..Great communication and my go to payment method. Also offers pay in 3! Reviewed on: 21st April 2026

Reliable.

5
Reliable. Very convenient. Allows you breathing space and options Reviewed on: 21st April 2026

Very easy to use, simple and effective loan plans

5
Very easy to use, simple and effective loan plans Reviewed on: 21st April 2026

Paypal is a safe way to make payments and they will...

5
Paypal is a safe way to make payments and they will try to resolve issues Reviewed on: 21st April 2026

Been useing for years love the new cards

5
Been useing for years love the new cards Reviewed on: 21st April 2026

Handy having the pay in 3 installments sometimes to...

5
Handy having the pay in 3 installments sometimes to help spread the cost. Reviewed on: 21st April 2026

I am staggered at the value that PayPal gives

5
I am staggered at the value that PayPal gives and the chance to really watch and control spending. Reviewed on: 21st April 2026

Love earning points on PayPal plus.

5
Love earning points on PayPal plus. Makes sending money to family and friends easy Reviewed on: 21st April 2026

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