Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148448 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

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

Read all reviews Write a review

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

Help others make smarter decisions by sharing your own experience.

Write a review

PayPal PayPal Credit reviews (148449)

Convenient and Flexible, but Best Used Carefully

I’ve been using PayPal Credit for a while now, and overall it’s been a useful option for managing larger purchases. The application process was quick and straightforward, and once approved, it’s automatically available whenever you check out using PayPal, which makes it very convenient. One of the main benefits is the promotional financing offers, such as 0% interest on purchases over a certain amount if paid off within a set timeframe. This is particularly helpful for spreading the cost of bigger items without immediate financial pressure. The account dashboard is also clear and easy to navigate, making it simple to track balances, due dates, and payments. However, there are a few drawbacks to be aware of. If you don’t pay off the balance within the promotional period, the interest rates can be quite high, and interest may be applied retroactively. Minimum payments are fairly low, which can be misleading if you’re not actively trying to clear the balance faster. Customer service can also be a bit inconsistent depending on the issue. Overall, PayPal Credit is a convenient and flexible tool if used responsibly. It works best for people who are organised with repayments and understand the terms, especially around interest. Reviewed on: 7th April 2026

The worst App ever (Fraud and Scammer)

The worst App ever (Fraud and Scammer) Reviewed on: 7th April 2026

Nice to buy with ease.

Nice to buy before you're money is available. Reviewed on: 7th April 2026

Overall, PayPal Credit is a great choice for anyone...

Overall, PayPal Credit is a great choice for anyone looking for a simple, trusted way to manage payments and access short-term credit with flexibility. Reviewed on: 7th April 2026

Amazing work ,good connection fcchnhfgbjbbgbvghh

Amazing work ,good connection fcchnhfgbjbbgbvghh Reviewed on: 7th April 2026

Refunded money

Great customer service. Sorted a problem there and then. Refunded money straight to my account Reviewed on: 7th April 2026

Very good, easy to manage, 4 months no interest is g...

Very good, easy to manage, 4 months no interest is good Reviewed on: 7th April 2026

Been using paypal for years never had any trouble gi...

Been using paypal for years never had any trouble gives peace of mind. Reviewed on: 7th April 2026

Wouldn't use anyone else

I have used PayPal for years and have never had any problems. The app is designed well, and is very easy to navigate. Reviewed on: 7th April 2026

I feel confident that my money is protected with Pay...

I feel confident that my money is protected with PayPal. Their options for pay in 3 and PayPal credit is a fantastic option for payments and is my first choice to use Reviewed on: 7th April 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews
Payments
from PayPal 4.71 from 3759 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 79520 reviews
Payments
from PayPal 4.71 from 3759 reviews
Credit card
from PayPal 4.70 from 101 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub