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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148548 reviews)

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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

92%

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

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

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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 (148548)

Very fast and easy to use with easy acess to check b...

Very fast and easy to use with easy acess to check balance Reviewed on: 16th April 2026

Good customer service friendly and sort out any iss...

Good customer service friendly and sort out any issues promptly It’s great to be able to spread credit over a few months The app is really easy to use would thoroughly recommend to friends & family . Reviewed on: 16th April 2026

.overall

.paypal is good option to use it’s an efficient easy way Reviewed on: 16th April 2026

Can use when i want and put money back in it when i...

Can use when i want and put money back in it when i want Reviewed on: 16th April 2026

Always reliable works with its customer base and is...

Always reliable works with its customer base and is invested in its customer base. Reviewed on: 16th April 2026

From start to finish i have had excellant service, w...

From start to finish i have had excellant service, with clear advise and easy to control my balance. Reviewed on: 16th April 2026

Great service.

Great service. Smooth checkout Reviewed on: 16th April 2026

Great job

I’ve had a generally positive experience using PayPal for both transactions and refunds. Payments are quick and easy to make, and I like that I don’t have to share my card details with every seller. Everything is clearly recorded, which makes it simple to keep track of spending. Refunds have also been reliable in my experience. When a seller processes a refund promptly, the money usually appears back in my account quite fast. Even when there’s a slight delay—especially for card payments—it’s still reassuring to know the process is secure. One of the best aspects is the buyer protection, which gives extra confidence when purchasing online. While disputes can sometimes take a bit of time to resolve, the overall system feels fair and dependable. Overall, PayPal is a convenient and trustworthy platform that I feel comfortable using regularly. Reviewed on: 16th April 2026

Easy to use, accepted over a wide variety of retailers.

Easy to use, accepted over a wide variety of retailers. Easy to keep track of purchases and pay off monthly to avoid fees. Reviewed on: 16th April 2026

Simple !! Love it !

It is so simple to pay for everything on PayPal . The new parcel tracking is brilliant and makes life easier! Having paypal protection gives peace of mind and gaining points when shopping is great Reviewed on: 16th April 2026

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