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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148315 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 (148316)

Great finance.

Great finance. Always use for easy purchases. Received £100 from Samsung off my new phone, just for using g PayPal. Fantastic Reviewed on: 7th April 2026

Safe and secure shopping

PayPal is very convenient for buying things online safely and securely. PayPal Here was incredibly useful for more when I worked as an independent trader too. PayPal Credit has been amazing for helping me keep on top of my finances and I am glad to see that they are expanding out into physical stores more too with the PayPal Credit card. Reviewed on: 7th April 2026

I have used PayPal in many occasion, it is very conv...

I have used PayPal in many occasion, it is very convenient to use PayPal in when I do online shopping. It is widely accepted in many stores and I don’t have to take my credit card out every time I do my online shopping Reviewed on: 7th April 2026

My go-to payment service

I have used PayPal for over 20 years now for secure payments at retailers, or between friends and family. PayPal Credit has been absolutely fantastic, offering numerous flexible ways to pay that suit me at the time. 0% over a shorter period, 0% credit on longer term payment plans with approved retailers, pay-in-3 - I can't think of another widely accessible payment option that offers such accesible and flexible payment options. Reviewed on: 7th April 2026

I can trust what I pay for online.

I can trust what I pay for online. Reviewed on: 7th April 2026

Excellent service

It all went smooth when used without any issues Reviewed on: 7th April 2026

PayPal is the most easiest and helpful payment to use

PayPal is the most easiest and helpful payment to use Reviewed on: 7th April 2026

Good Service

Four Months 0% Interest on the PayPal Credit Card. Reviewed on: 7th April 2026

Gave me credit when nobody else would.

Gave me credit when nobody else would. Easy transactions. Reliable. Can pay with Paypal almost anywhere. And the pay in 3 is super helpful, I use it regularly. I've honestly never had any problems with them so I can't complain. Reviewed on: 7th April 2026

Years of satisfaction

I have been using paypal for around 20 years. For me it has never disappointed. I can often forget about my security online in my day to day but when I am using PayPal I know that my transactions and bank details are safe and secure. I have sent money to businesses as well as family and friends and made countless purchases, all with no problems and much peace of mind. Reviewed on: 7th April 2026

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