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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50809 reviews)

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4.91

Based on 50,809 reviews, last reviewed 1st Feb 2026

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Simple and handy PayPal approved me for credit when NatWest would not, allowing me to make purchases with zero interest for 4 months. Their Pay in 3 service has also b... Read more Reviewed on: 25th January 2026

Latest lowest rating:

1

6M 0 interest is a scam. I opened this account because it offer 6M 0 interest. Im a 0 int person, i refuse to make banks rich and steal peoples money. Mind you, I have the mon... Read more Reviewed on: 1st February 2026

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About this product

PayPal Credit is a virtual credit card.

PayPal Credit can be added to your PayPal wallet and is accepted at thousands of online stores. Your purchases are protected by PayPal’s 24/7 security and encryption. You also get Buyer Protection on eligible purchases.

PayPal Credit reviews help you find out what it’s really like to be a customer. If you’ve used PayPal Credit before, you can also leave a review and share your experience.

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PayPal PayPal Credit reviews (50809)

6M 0 interest is a scam.

I opened this account because it offer 6M 0 interest. Im a 0 int person, i refuse to make banks rich and steal peoples money. Mind you, I have the money to just pay off w.e I was going to use it for but I said we'll if its 0 int let's take advantage and not use my cash just in case I ever need it. I specifically call them and asked them is this for sure 6 months 0 int even if im payin at the place and they rest a sure it was, of course like any other credit card, they use inexperience people from other countrys on top of that to pay less. When I paid after 2 months, I realized they were charging me interest, I called back and explained that I had called before and ask and they had told me it was 0 int even if bought in store, the other rep just started saying that it was on purchases only online And Well there was nothing they could do but keep steeling my money. Beware, if your intentions are to pay 0 int, do not even bother applying for this card.. im all about hight credit scores and 0 int and I refuse to pay interest on this stupid cards. Now, if you dont care and love to pay interest and give away free money, sign up and let them run your credit. Reviewed on: 1st February 2026

Simple and handy

PayPal approved me for credit when NatWest would not, allowing me to make purchases with zero interest for 4 months. Their Pay in 3 service has also been invaluable and using Paypal has boosted my credit score. Reviewed on: 25th January 2026

An unusually long interest free period

A four month interest free period is almost unprecedented, except for six or 12 months interest free periods on specific items with larger retailers. The fantastic thing about PayPal however is that you are able to split your payments in which ever way works for you, as long as the minimum payment is made monthly. It is also available pretty much anywhere, as long as the cost of the item is at least £100. I have made good use of this Credit line dozens of times, and have found it incredibly easy to use and much more affordable and flexible than a credit card. Reviewed on: 22nd January 2026

Pay pal - Has had my money held to ransom on all ord...

Pay pal - Has had my money held to ransom on all orders placed for 120 days before they release any funds- We have been with Pay pal for several Years - and they have for the last 10 years plus increased the hold from 7 days to be paid know over 120 Day and still not paid - however they take there fees at time of sale and do not release ours - Financially crippling our Business- Then every month they put our account on Hold and request Tracking details and courier for orders- even when then information is already added to pay pal showing the item delivered - They then what you to provide invoices showing you purchased the goods- ID Bank Statements every month - No Issues with orders - however Pay pal seem to like -playing games with Peoples lively hood - Potential putting us out of business due to all our sales revenue being held You then call The so called customer services and even they cant tell you why the reserve is in place - only if you don't like it close your account - I will be doing this once or funds are released from hold Cant speak to the department that even puts the Hold on your account and cant get a reply to an email or even any support - considering we are paying for this service to use PayPal - If i was a Buyer they would be jumping through hoops trying to sort out there issue - quickly and efficiently - putting them through to correct departments top get that resolved Reviewed on: 22nd January 2026

I have used PayPal pay in 3 for aome time and i was...

I have used PayPal pay in 3 for aome time and i was happy intil 2 months ago. When I ordered items from Debenhams I was informed that they will be 2 parcels delivered separately. I got 1 parcel and I did not get the other. I contacted the seller and they said they will send me the replacement and it never happened. I contacted PayPal disputes and the result was that I got that item and the case was closed and in favour to the seller. I contacted PayPal again to say I was not happy about this as I did not receive this parcel and asked them to ask the seller for the proof of delivery of which non was provided. Now I have to pay for a dress that I did not receive and my hard earned money gone just like that. I am so disgusted about this. Maud Reviewed on: 29th October 2025

Good start, but tell us a little more.

Good start, but tell us a little more. Reviewed on: 23rd October 2025

PayPal is great for quick payments and easy credit i...

PayPal is great for quick payments and easy credit if needed Reviewed on: 24th August 2025

Pay Pal Credit

Very simple to use, excellent product. Reviewed on: 24th July 2025

No regrets

Never been let down if there was dispute about any thing. Reviewed on: 21st July 2025

Useful service, especially pay in 3.

Useful service, especially pay in 3. Easy and clear app to follow your account on the go. Reviewed on: 20th July 2025

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