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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148500 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 (148501)

Happy customer

I have been using PayPal for a while now. Very consistent in the way they render their service. I am happy to be one of their customers. I love that I can use my credit and pay it off in 4 months without interest. Reviewed on: 7th April 2026

Reliable PayPal

Always reliable and when I have had issues, PP have resolved swiftly Reviewed on: 7th April 2026

Easy and effective, no issues raised

Easy and effective, no issues raised Reviewed on: 7th April 2026

I have been with PayPal for over 20 years.

I have been with PayPal for over 20 years. In all those years I have only once disagreed with a decision that went against me. I must admit that what caused by what I would call scamming was that businesses will give you a trial offer to buy a pc program for a month through PayPal and hide the fact that they will continue to take money every month. Being a pensioner I must have overlooked something and was unable to retreive the money back. Overall PayPal have been fair and just and I would not dream of using anyone else as PayPal is my safety net! Reviewed on: 7th April 2026

Convenient, trusted, and secure.

Convenient, trusted, and secure. Overall, good experience and would recommend. Reviewed on: 7th April 2026

reliable and secure

I find paypal the most reliable and secure method of payment. I have used it for years and NEVER one have I had a problem!!! Reviewed on: 7th April 2026

Their PayPal Credit feature of 0% interest for purch...

Their PayPal Credit feature of 0% interest for purchases of £100 and over if paid back in 4 months is very useful. Reviewed on: 7th April 2026

Great service

Excellent, PayPal + is a great addition to earn with your spending, it’s always a bonus to earn as you spend! Reviewed on: 7th April 2026

Have had PayPal for well over 10 years and no...

Have had PayPal for well over 10 years and no issues Reviewed on: 7th April 2026

Essential service for protection buying online.

A very useful service for buying online with added protection. Had account for over ten years and never had any problems with PayPal and when needed the customer service is excellent. Reviewed on: 7th April 2026

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