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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148723 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 (148723)

THE SAFE WAY TO BUY

i like paypal you feel safe buying with them Reviewed on: 7th April 2026

I have always found PayPal to be a brilliant choice...

I have always found PayPal to be a brilliant choice and is my go too form of credit, looking into the new credit card as an option for future purchases Reviewed on: 7th April 2026

It’s easy to use for payment online and I store with...

It’s easy to use for payment online and I store with the card. It takes the stress out of having to get your wallet - just log on and pay. Reviewed on: 7th April 2026

Never had a problem and it's so convenient.

Never had a problem and it's so convenient. Options for three staged payments or delayed over four months. Reviewed on: 7th April 2026

I find PayPal credit convenient, easy statement and...

I find PayPal credit convenient, easy statement and up to date tracking of your spending. Highly recommended. Reviewed on: 7th April 2026

Make payment without any fear.

With the paypal payments. Your money is always secure. You can save yourself from fraud by calling on customer service even though you have made a payment. I personally like them due to their paypal credit option which I use a lot. Buy now pay later in 4 months interest free installments. Most of the time I make my payments with PayPal even though I have other credit cards but still I feel save with PayPal. Very good service Reviewed on: 7th April 2026

Low APR and now a physical card to use in...

Low APR and now a physical card to use in shops etc Reviewed on: 7th April 2026

It’s there when I need it.

It’s there when I need it. Accepted everywhere Reviewed on: 7th April 2026

PayPal Credit

PayPal Credit is a useful option for flexible payments and short-term financing, especially for online purchases. However, clearer communication about interest rates and billing terms, along with improved customer support, would make the service more user-friendly and transparent. Reviewed on: 7th April 2026

Always friendly and polite customer service.

Always friendly and polite customer service. Always solve the problem as well. Reviewed on: 7th April 2026

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