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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50809 reviews)

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4.91

Based on 50,807 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 (50807)

Great to use!

Great to use! Helps me split my payments without effecting my credit score! Reviewed on: 31st May 2025

Easy to use great for large purchases

Use regularly and never had any problems. Good for large purchases for splitting into 3 payments or the interest free option. Reviewed on: 31st May 2025

simple, easy

simple, straight forward, hassle free money management. Reviewed on: 31st May 2025

Usually very good when problems arise but when I ret...

Usually very good when problems arise but when I returned a wedding dress to the seller for a refund as it was awful, sent proof of postage and tracking number but case closed in sellers favour because I apparently hadn't sent the details when I had several times leaving me out of pocket with no wedding dress Reviewed on: 31st May 2025

Always reliable

Always a really good service, reliable and quick. Never had any problems with any transfers Reviewed on: 31st May 2025

PayPal Credit has been invaluable to me.

PayPal Credit has been invaluable to me in helping me get items required and giving me the time to pay back on a monthly basis. I was also really appreciative of the holiday it allowed me during COVID. Reviewed on: 31st May 2025

Very convenient to use and offers flexibility when p...

Very convenient to use and offers flexibility when paying. Reviewed on: 31st May 2025

Poor account reviewing

The problem I find with PayPal credit is, for some unknown reason they dropped my credit limit to £200, I have never missed any payments on any account, I still work and get a half decent wage payed into the bank and don't have a great deal of credit now.Please tell me what big item can you buy for £200. ? I look at items such as drumkit or gaming machines, projectors and furniture.... PayPal have never put my limit back back up or increased it even further so I don't think they review people's accounts much at all, apart from that PayPal credit is great, for small items. Reviewed on: 31st May 2025

PayPal is a safe way to purchase over th...

I like that PayPal is a safe way to purchase over the internet for site I have not previously used. Also it make it easy for site that I have used before as I do not need to add in all my details Reviewed on: 31st May 2025

Super intuitive

Very easy to use the app and understand your upcoming payments :) Reviewed on: 31st May 2025

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