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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148697 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 (148697)

Makes it much simpler and safer to buy products

Makes it much simpler and safer to buy products Reviewed on: 16th April 2026

PayPal is very good and safe the best for me.

PayPal is very good and safe the best for me. It’s not just for payment it help to build my credit score. Reviewed on: 16th April 2026

Highly Recommended

Flexible repayment options are really helpful. Reviewed on: 16th April 2026

Fast and efficient service.

Fast and efficient service. If there is an issue it is sorted quickly Reviewed on: 16th April 2026

Makes day to day life a little easier!

Makes day to day life a little easier! Really easy to use and because PayPal is accepted almost everywhere, it helps to spread the cost. Reviewed on: 16th April 2026

Shopping

Its easy to use and I will recommend to other people to use PayPal Reviewed on: 16th April 2026

When ever needed PayPal is always there with immedia...

When ever needed PayPal is always there with immediate assistance. Reviewed on: 16th April 2026

I appreciate the credit review and the app is workin...

I appreciate the credit review and the app is working well and very good to use Reviewed on: 16th April 2026

Paypal credit (card) good and bad points

Using paypal credit to split payment transactions interest free finance is fantastic. Using paypal for secure online payments is great. Not good at all is, After contacting paypal by phone a week prior to going on holiday in Europe, informing that i will be using the card abroad and paypal insisting it won’t be a problem (even informing them of the exact dates) Security still stoped me making a transaction at the hotel. Second time to happen. First time i accepted the reason as security is important but this second time has given me very little confidence in my paypal credit card. Reviewed on: 16th April 2026

Useful to be able to pay for items over a...

Useful to be able to pay for items over a longer term Reviewed on: 16th April 2026

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