Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145409 reviews)

View other PayPal products

4.73

Based on 145,393 reviews, last reviewed 26th Jun 2026

4346600% increase in 5 star reviews

in the past 90 days

12500% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Paypal is easy to use, the credit facilities are fan... Paypal is easy to use, the credit facilities are fantastic and the Paypal credit card application was a breeze and has very competitive rates. Reviewed on: 26th June 2026

Latest lowest rating:

2

Been with you for 8 years and you are the only firm... Been with you for 8 years and you are the only firm that has never increased my pathetically low credit limit ! Reviewed on: 25th June 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 (145409)

Extortionate interest rates.

Extortionate interest rates. Interest free period is short and it's not clear how to pay off the free things vs the things that are compiling interest. Terms and conditions are the usual obfuscated small print, updated regularly and never for the better. Only one step up from payday loans in my opinion Reviewed on: 18th April 2026

Brilliant and very happy with how easy it is to use.

Brilliant and very happy with how easy it is to use. Reviewed on: 18th April 2026

Fantastic always good for any questions or help I mi...

Fantastic always good for any questions or help I might have needed thank you x Reviewed on: 18th April 2026

Love using PayPal and fell safe and secure

Love using PayPal and fell safe and secure Reviewed on: 18th April 2026

Never a negative experience

Easy to use, helpful and easy to deal with. Reviewed on: 18th April 2026

I've had good experiences with PayPal especially hel...

I've had good experiences with PayPal especially help with my bills Reviewed on: 18th April 2026

My go to payment method always

I have been with PayPal for many many years. Its my go to for my purchases as I know I have extra security. I have raised issues with retailers before and PayPal have been fair and have always come through for me Reviewed on: 18th April 2026

Happy Customer

Everything is explained well and easy to use. Reviewed on: 18th April 2026

Always could count on customer service had an excell...

Always could count on customer service had an excellent experience since joined Reviewed on: 18th April 2026

So easy to use and safe!

So easy to use and safe! Never had an issue Reviewed on: 18th April 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 Zebra Finance 4.06 from 6 reviews
Retail Finance
from Novuna Personal Finance 4.74 from 173 reviews
Loan
from Snap Finance 4.82 from 370 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 76375 reviews
Payments
from PayPal 4.71 from 3757 reviews
Credit card
from PayPal 4.69 from 98 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