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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148300 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 (148300)

PayPal has made my life so much easier

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

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

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

It has been supportive and flexible.

It has been supportive and flexible. Reviewed on: 7th April 2026

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

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

Great payment options

No issues with Paypal, but very happy that it makes payment straight forward and that several payment options are offered. Reviewed on: 7th April 2026

Seamless and efficient.

Seamless and efficient. Clear instructions and information at all times. Reviewed on: 7th April 2026

It's very easy to use, the terms of use are very cle...

It's very easy to use, the terms of use are very clear, and the interest rates are accessible. Reviewed on: 7th April 2026

I always use PayPal to shop online - never had any i...

I always use PayPal to shop online - never had any issues - I love to be offered the pay in 3 - brilliant for budgets! Reviewed on: 7th April 2026

Always so simple and easy to use, and completely tru...

Always so simple and easy to use, and completely trusted too. I have complete confidence using PayPal Credit. Reviewed on: 7th April 2026

Good Service and Clear Information

Any problems are resolved quickly and the limits and terms are easy to see. You can setup automatic payments and see when payments are due in seconds. Reviewed on: 7th April 2026

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