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PayPal: PayPal Credit reviews

View other PayPal products
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
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
Russel's avatar
Russel

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
Kim's avatar
Kim
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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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (148286)

Very easy to pay using PayPal, and piece of mind is...

5
Very easy to pay using PayPal, and piece of mind is an absolute plus. Because if you do not get the goods or service you paid for using PayPal, you are guaranteed to get your money back. I always pay by PayPal for this reason. If I can't buy through PayPal I don't buy, unfortunately there are too many spamers out there. Reviewed on: 7th April 2026
Vicky Jackson 's avatar
Vicky Jackson

PayPal safe and easy option

4
PayPal has been safe and easy option for me every time I’ve needed it Reviewed on: 7th April 2026
Rob's avatar
Rob

PayPal credit is a better option to make large purchase

4
PayPal credit is a better option to make the purchases and split the cost but the repayment mechanism is not appropriate, if there is a 24month agreement for one of the purcahse and if you do payment for the pay in 4 transaction, the amounts gets split between in the 24 month credit and the pay in 4 transaction, which is annoying. Reviewed on: 7th April 2026
Jiby Jacob's avatar
Jiby Jacob

Superb facility

5
I have never had any trouble with this product. It's been really helpful over the last few years. Would definitely recommend. Reviewed on: 7th April 2026
Mr S's avatar
Mr S

PayPal helpful and efficient

5
PayPal let's me enjoy the freedom of buying in 3, interest free credit and getting points for spending my own money. For me its all about the security of knowing if payments go wrong you always have PayPal to help you sort it out. Very friendly and helpful service on the phone. Customers really do come first using PayPal. Reviewed on: 7th April 2026
Lem's avatar
Lem

When my account was hacked you dealt with it before...

5
When my account was hacked you dealt with it before I had any idea it had happened Reviewed on: 7th April 2026
Michelle s's avatar
Michelle s

PayPal has made my life so much easier

5
PayPalhas made my life so much easier, having mobility problems, being able to do all transactiond from home plus the 3 excelllent methods of payment especially pay in 3, my situation has added many new expenses, with pay in 4 I have not had to delay urgent rewquirement payments, to go on holiday I have too book very early to get duitable seats on a plane, their link with Jet2 .com has simplified booking far in advance . I cant really express fully how useful PayPal is ,, thank you Reviewed on: 7th April 2026
RoBo's avatar
RoBo

I often use PayPal to split large payments to aid ca...

5
I often use PayPal to split large payments to aid cash flow. Generally I repay before the before any interest can accrue so it provides me with flexibility. If I need to extend the amount I will pay is clear and allows me to budget unlike most credit cards. Reviewed on: 7th April 2026
George H's avatar
George H

It has been supportive and flexible.

5
It has been supportive and flexible. Reviewed on: 7th April 2026
MONICA P's avatar
MONICA P

I am with pay pal since 2018 never have problem very...

5
I am with pay pal since 2018 never have problem very good people Reviewed on: 7th April 2026
asif 's avatar
asif

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