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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (103851 reviews)

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4.90

Based on 103,851 reviews, last reviewed 11th May 2026

2446000% increase in 5 star reviews

in the past 90 days

7250% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

It was easy to set up and use. It was easy to set up and use. It’s easy to make extra payments and set up a direct debit for repayments. Reviewed on: 11th May 2026

Latest lowest rating:

1

The services is not excellent, they were days I paid... The services is not excellent, they were days I paid consistently for 2 years it has not reflect on my account statement Reviewed on: 10th May 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.

PayPal PayPal Credit reviews (103851)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Very high interest

I’ve had a good experience with PayPal overall — the service is reliable and easy to use, and I’ve been happy with it for payments. However, the interest rates on PayPal Credit are quite high, which makes it less appealing for me. Because of this, I don’t plan to use PayPal Credit anymore and will stick to using my credit cards instead Reviewed on: 5th May 2026

Never needed to use customer service so that's why I...

Never needed to use customer service so that's why I put neutral. Never had any problems Reviewed on: 5th May 2026

I use paypal credit for everything!!!!

I use paypal credit for everything! I can get rewards and make the most out of my money and also use it everywhere i shop! Paypal credit has made me love using a credit card, boosting my credit score! Reviewed on: 5th May 2026

Always used PayPal, always a good experience.

Always used PayPal, always a good experience. Reviewed on: 5th May 2026

Excellent service, easy to use.

Excellent service, easy to use. Very user friendly Reviewed on: 5th May 2026

It’s so helpful

I’ve used paypal credit for a while and it’s been a lifesaver when money has been short as of late, especially in the living expenses crisis Reviewed on: 5th May 2026

Great service with peace of mind

Always used PayPal it gives me peace of mind and I know I'm always going to get a premium service. Reviewed on: 5th May 2026

A trusted and longstanding companion.

A trusted and longstanding financial companion. Paypal’s credit line service addition has been very effective and reliable that offers clarity and flexibility in making the right decision. Reviewed on: 5th May 2026

Very easy and accessible.

Very easy and accessible. Allows me to afford things that I can’t buy outright. Reviewed on: 5th May 2026

Amazing!

Its great, especially the paypal credit card, the credit limit is the highest ive been offered and its also 0%apr on purchases over £99 Reviewed on: 5th May 2026

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