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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)

Only had one problem with the service and that was d...

Only had one problem with the service and that was dealt with promptly and sufficiently by the CS staff member - otherwise all good Reviewed on: 31st May 2025

Slick uneventful and easy customer experience with s...

Slick uneventful and easy customer experience with strong and simple products administered by friendly and competent staff. Reviewed on: 31st May 2025

PayPal has always helped with the 3 month interest f...

PayPal has always helped with the 3 month interest free payment plan. Reviewed on: 31st May 2025

PayPal gives me the option to have big spends withou...

PayPal gives me the option to have big spends without interest for a period of time. It is easy to understand when payment is needed, how to pay and what my options are. When I’ve needed to get in touch to discuss anything I’ve always found their customer service to be good. PayPal is my go to money lender. Reviewed on: 31st May 2025

I’ve used paypal for a while now

I’ve used PayPal for a while now and overall, it’s a decent service. It does what it’s supposed to: sending and receiving money is generally straightforward, and it’s widely accepted by online retailers, which is convenient. That said, there are a few things that could be improved. Customer support can be hit or miss, and resolving disputes sometimes feels more complicated than it should be. Additionally, the fees for certain transactions can add up, especially for international transfers or business use. In short, PayPal is a useful tool with both strengths and weaknesses. It works well for most everyday needs, but it’s not without its occasional frustrations. Reviewed on: 31st May 2025

Good rates on the Credit card, easy to arrange payme...

Good rates on the Credit card, easy to arrange payments and never had any issues with them at all Reviewed on: 31st May 2025

Always reliable.

Always reliable. Very dependable. Reviewed on: 31st May 2025

Friendly and professional staff.

Friendly and professional staff. Fast and easy payments Reviewed on: 31st May 2025

Have used Paypal for many years.

Have used Paypal for many years. Paypal credit was easy to access and very easy to administer. All done within the app on my phone. The app is easy to navigate and a secure way to access all of Paypal’s features. Reviewed on: 31st May 2025

All my experiences using PayPal have been good ones.

All my experiences using PayPal have been good ones. I use PayPal for virtually all my online purchases and payments which I believe give me extra protection when dealing with overseas sellers. Reviewed on: 31st May 2025

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