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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148367 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 (148369)

Paypal are great.

Paypal are great. If you have any problems they are on the ball Reviewed on: 7th April 2026

Amazing and really helpful!

Amazing and really helpful! I’ve been using it shop online especially when I’m short on money. Reviewed on: 7th April 2026

Excellent

Clear terms, excellent customer service, great app Reviewed on: 7th April 2026

Allows me to make purchases in ways that I don't bel...

Allows me to make purchases in ways that I don't belive other services would Reviewed on: 7th April 2026

I’ve been using PayPal Credit for a while now

I’ve been using PayPal Credit for a while now and it’s been really convenient. It’s easy to use, integrates smoothly with PayPal, and gives a bit of flexibility when making purchases. Definitely a useful option to have. Reviewed on: 7th April 2026

Great service

Whenever I have used PayPal I find the experience easy to use and helpful. I have used PayPal for years and never had a problem. Reviewed on: 7th April 2026

Easy to use, decent offers, decent rate of interest.

Easy to use, decent offers, decent rate of interest. No complaints so far. Reviewed on: 7th April 2026

Comforting and piece of mind

Great option, gives me piece of mind knowing I have the option. Reviewed on: 7th April 2026

Credit with a smile

I have been using the Pay in Three feature for my purchases that allows me to spread the cost over three months. It's simple to use and easy to keep track of my spending due to clear page layout. Also email reminders allow me to budget for upcoming payments. It's penalty free for missed payments which is useful for anyone on a low income. I have also begun using the PayPal credit card to spread payments over a longer period. Reviewed on: 7th April 2026

Paypal are there whenever I need help with a seller...

Paypal are there whenever I need help with a seller and so far I have always reached a favourable outcome ! Paypal is good for spreading costs over 3 or more months, with no interest fees. Reviewed on: 7th April 2026

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