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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148307 reviews)

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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

92%

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

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 (148307)

It’s useable for almost all payments and I particula...

It’s useable for almost all payments and I particularly like having instalment options too which are interest free. Reviewed on: 15th June 2026

You Pay, I Pal.

Customer service is something you can stand on. Always, they find a way. And you find a way, because PayPal credit is cheaper than banks. Juggle everything and skip happily. Reviewed on: 15th June 2026

Wonderful experience!

Wonderful experience! Easy and straight forward to apply, instant decision. The ability to get a physical card was a plus and it was delivered very quickly. I live that I can pay as little or as much as I like every month too Reviewed on: 15th June 2026

Never had a problem using PP, quick and easy system.

Never had a problem using PP, quick and easy system. Reviewed on: 15th June 2026

Easy for installment And many companies also accept...

Easy for installment And many companies also accept PayPal Reviewed on: 15th June 2026

Love it but hate it at the same time

I love PayPal it really helps me with Christmas and birthdays for my children. It helps me grab things on offer while I'm waiting payday. However I am upset that when making a payment it doesn't come out straight away. So when I know I have made a payment the money is still sitting in my bank account so I think I have more money then thought. When PayPal decides it's a good time to take the money I often already spent the money on my tight budget and I'm left being overdrawn Reviewed on: 15th June 2026

I've used PayPal for years now and it's always been...

I've used PayPal for years now and it's always been quick, easy and reliable. And their pay in three thing has been a life Dave at times Reviewed on: 15th June 2026

Great service

Very good service and great way to utilise a short term credit account. Reviewed on: 15th June 2026

Very easy to use and affordable payments.

Very easy to use and affordable payments. Also the pay in 3 options are excellent too. Find this very good for gig tickets Reviewed on: 15th June 2026

easy to use

4 months interest free is great and easy to use Reviewed on: 15th June 2026

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