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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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PayPal PayPal Credit reviews (148286)

Great financial flexibility with PayPal Credit

5
I’ve been using PayPal Credit for a while now and I’m very satisfied with the service. It’s easy to use, seamlessly integrated with PayPal, and gives great flexibility when making purchases online. The application process was straightforward and approval was quick. Highly recommend it to anyone looking for a convenient buy-now-pay-later option Reviewed on: 21st April 2026

Slick flexible easy!

5
Slick flexible easy. My go to way of shopping online. Reviewed on: 21st April 2026

Handy to have

5
Very easy to use and not sky high prices Reviewed on: 21st April 2026

I use it all the time!

5
I haven't really had issues so far, didn't have to contact customer service. happy with PayPal , especially with pay layer option. Reviewed on: 21st April 2026

Always quick and easy to use.

5
Always quick and easy to use. Good interest rates on the credit side and the pay in 3 is a great help. Reviewed on: 21st April 2026

Slightly slow at updating payments but overall excel...

5
Slightly slow at updating payments but overall excellent service Reviewed on: 21st April 2026

I love paying with pay pal as I have piece of mi d w...

5
I love paying with pay pal as I have piece of mi d when Reviewed on: 21st April 2026

Always had good service from PayPal

5
Always had good service from PayPal, paying for goods is all made very easy Reviewed on: 21st April 2026

Pay Pal is everything you want, excelent service

5
Pay Pal is everything you want, excelent service Reviewed on: 21st April 2026

Pay in 4 is really helpful as it breaksdown a big pu...

5
Pay in 4 is really helpful as it breaksdown a big purchase to smaller chunks. Reviewed on: 21st April 2026

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