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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)

Easy to use. Safe & Secure

Easy to use. Love the pay in 3 option I feel safer using PayPal and use it whenever possible. Reviewed on: 31st May 2025

Very convenient and good quality of service

Very updated with terms and conditions, monthly statement. Very good flexibility with payments Reviewed on: 31st May 2025

I like and enjoy using PayPal

I like and enjoy using PayPal because it is safe and reliable Reviewed on: 31st May 2025

I’ve had a positive experience using PayPal Credit.

I’ve had a positive experience using PayPal Credit. It’s a convenient option for making purchases, especially online, and the integration with my PayPal account makes transactions seamless. One of the best features is the promotional financing — for example, no interest if paid in full within 6 months on purchases over a certain amount. This gives me flexibility and helps with budgeting for larger expenses. Reviewed on: 31st May 2025

Great options to pay flexible zero interest.

Great options to pay flexible zero interest. Easy to use app. Safe way to pay on multiple sites. Reviewed on: 31st May 2025

Clear and concise

Always had prompt responses to any queries. Payments are quick and easy to make and repayment terms are clear and easy to understand Reviewed on: 31st May 2025

Highly recommended

Good when you're in need of credit, quick and simple. Reviewed on: 31st May 2025

Everything is good.

Everything is good. Money whenever you need it. Reviewed on: 31st May 2025

Good company not fake recommended

Good company not fake recommended Reviewed on: 31st May 2025

Great Interest Free Credit

I use PayPal Credit for purchases over £100. I get four months interest free credit, and reminders when the interest free period is about to end. A very good service. Reviewed on: 31st May 2025

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