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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

100% increase in 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 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.

PayPal PayPal Credit reviews (50809)

Review of the PayPal, PayPal Credit:

Really like the interest free PAY IN THREE option

Really like the interest free PAY IN THREE option Reviewed on: 13th June 2024

Loyal to customers, easy to reach, fast to decision

Loyal to customers, easy to reach, fast to decision Reviewed on: 1st June 2025

Hassle free and makes purchase costs manageable.

Hassle free and makes purchase costs manageable. The interest free element makes it affordable. Reviewed on: 1st June 2025

Excellent credit provider with the added bonus of 4...

Excellent credit provider with the added bonus of 4 months interest free and a brilliant pay in 3. Accepted almost everywhere and is a fantastic Alternative to a credit card. I’ve never had a problem with PayPal and happily give them 5* Reviewed on: 1st June 2025

Excellent service for buying experience.

Excellent service for buying experience. It’s quick and easy and available to see all in one place. Reviewed on: 1st June 2025

Always good service, good retailers, good credit opt...

Always good service, good retailers, good credit options, good finance Reviewed on: 1st June 2025

PayPal is so easy to use!

PayPal is so easy to use! It's a time saver at payment stage on so many sites.and has a good variety of options like lay now, pay in 3 or credit. On the odd occasion something hasn't looked right, the customer service has been great and the issue resolved. Reviewed on: 1st June 2025

A go to method of payment

I really like that I don’t have give my card details to the sellers. And PayPal are very good at protecting my rights as the customer. Reviewed on: 1st June 2025

Very easy to use

Very easy to use PayPal credit such as unpleasant and pay in 3 Reviewed on: 1st June 2025

Highly recommend

Easy to use, lots of payment options and quick and efficient service. I have also used the pay in 3 and interest free credit options and I’m highly delighted Reviewed on: 1st June 2025

My experience being with pay has been great on hard...

My experience being with pay has been great on hard times its helped me a lot. Reviewed on: 1st June 2025

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