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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50807 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.

PayPal PayPal Credit reviews (50807)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

Fast, correct, good way for lots of things

Wasn't any problem with them, I can recommend them highly Reviewed on: 30th May 2025

It was very efficient to organise credit and pay it...

It was very efficient to organise credit and pay it back monthly Reviewed on: 30th May 2025

PayPal Credit is the convenient option!

I've been using PayPal Credit for a while now, and I have to say, it's been an incredibly positive experience. It's seamlessly integrated into the PayPal ecosystem, which makes managing purchases and payments incredibly convenient. One of the biggest advantages is the flexibility it offers. Whether it's a larger purchase I want to spread out over time or taking advantage of those fantastic 0% interest promotional periods, PayPal Credit gives me the control I need over my finances. The application process was quick and easy, and I appreciate the clear statements and reminders that keep me on track with my payments. It's a reliable and straightforward way to manage credit, especially for online shopping. Highly recommended for anyone looking for a flexible and user-friendly credit option! Reviewed on: 30th May 2025

Not Worth It

No transparency and always white lies about credit limit increase advice. Not worth it except for where concerns with providing card details for international purchases paypal is easily ignored. Reviewed on: 30th May 2025

Flexible payment schemes which can give you more wig...

Flexible payment schemes which can give you more wiggle room for whatever life throws at you. Reviewed on: 30th May 2025

PayPal safe and secure online

Always there and safe on line. Ready to support you and make full enquiries and returns when dealing with the less then honest or efficient. Reviewed on: 30th May 2025

Easy to operate

Very easy to operate and kept up to date Reviewed on: 30th May 2025

PayPal review

Helpful, easy to payback. No problems with the service thus far. Reviewed on: 30th May 2025

I bought a phone with zeroAPR.

I bought a phone with zeroAPR. This purchase was unexpected due broken phone. Reviewed on: 30th May 2025

The 4 months interest free helps a lot when it comes...

The 4 months interest free helps a lot when it comes to big purchases that i’m not in the position to pay for fully right now Reviewed on: 30th May 2025

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