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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148540 reviews)

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4.73

Based on 148,510 reviews, last reviewed 4th Jul 2026

4488100% 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 so easy to deal with. Always so easy to deal with. Simple, straightforward and no nonsense! Reviewed on: 4th 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 (148541)

Flexible credit that actually works when you need it

Been using PayPal Credit for a while now and it's genuinely useful. The 0% interest on purchases over a certain amount is a decent perk if you pay it off in time, and having it sitting there ready to use without needing a separate card is convenient. Checkout is seamless since it's built straight into PayPal. Managed my spending through the app without any hassle. No complaints — does exactly what it says it will. Reviewed on: 7th April 2026

Happy customer

Easy to use , perfect for those unexpected expenditures, clear billing for ease of payment Reviewed on: 7th April 2026

Would recommend PayPal credit

I've been using PayPal credit for many years and have had no problems it's quick and easy to control Reviewed on: 7th April 2026

PayPal actually helped me

PayPal is dependable and when someone hacked me and stole money they were on it straightaway Reviewed on: 7th April 2026

Best Finance provider

My experience has all been brilliant with paypal,because it's always there to finance my shopping giving enough time to pay. Reviewed on: 7th April 2026

PayPal just works, simple as!

PayPal just works, simple as! There is no great faffing and the mobile app is also really good. Reviewed on: 7th April 2026

Love Paypal Credit

Love Paypal Credit, can shop at anytime and pay after a few months, great service for consumers. Thank you Reviewed on: 7th April 2026

every day shopping so easy with a paypal credit card

every day shopping so easy with a paypal credit card Reviewed on: 7th April 2026

Since joining PayPal I have never looked backed ...

Since joining PayPal I have never looked backed Reviewed on: 7th April 2026

Hassle free and easy to manage account.

Hassle free and easy to manage account. Reviewed on: 7th April 2026

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