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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.

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PayPal PayPal Credit reviews (50809)

It's easy, convenient and no interest charges

It's easy, convenient and the ability to spread the cost of more expensive products without having to pay any interest is highly beneficial Reviewed on: 1st June 2025

PayPal Credit, always there when I need it.

Since I got PayPal credit tha it's been a great help for those months when things are tight. I can choose to pay off the total amount or according to my monthly affordability. That's how PayPal Credit flexibility is Reviewed on: 31st May 2025

Been using PayPal for many years

Been using PayPal for many years now and it has always been my preferred way to pay, I always feel better making online purchases that allow PayPal as their policy makes me feel confident when buying online. Reviewed on: 31st May 2025

Easy to use

Easy to use, available for most online purchases and safe way of paying. Reviewed on: 31st May 2025

Easy, seamless and quick.

Easy, seamless and quick. It has mad my online shopping experience quite easy, especially where Im not sure about the merchant i always yes PayPal as I know my money and transactions are safe. Reviewed on: 31st May 2025

Convenient, Quick, and Worth It

I wasn’t sure about using PayPal Credit at first, but I’ve actually been pleasantly surprised. The application was super easy, and the credit was available instantly — no complicated forms or long waits. It came in handy during a month when I had extra expenses and needed some flexibility without reaching for a traditional credit card. What I really appreciate is how seamlessly it integrates with my PayPal account — you barely notice you’re using credit, which is both a pro and a con. It’s convenient, but you do have to stay mindful of what you’re spending. Interest rates can be quite high if you don’t pay things off quickly, so I treat it more like a short-term backup plan rather than a regular way to shop. Overall, it’s a solid option if used responsibly. It gave me peace of mind when I needed it, and I’d recommend it to anyone who’s good at managing their budget. Reviewed on: 31st May 2025

Great service with brilliant communication regards t...

Great service with brilliant communication regards to finances and help when required. Reviewed on: 31st May 2025

Amazing experience, feel supported with all the way...

Amazing experience, feel supported with all the way throughout my experience Reviewed on: 31st May 2025

Very difficult to find someone to talk to

Very difficult to find someone to talk to Reviewed on: 31st May 2025

Reliable service and safe to use.

Reliable service and safe to use. Reviewed on: 31st May 2025

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