Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50807 reviews)

View other PayPal products

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

Read all reviews Write a review

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.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.

Write a review

PayPal PayPal Credit reviews (50807)

Pay Pal is really good give you flexibility and secu...

Pay Pal is really good give you flexibility and security and really decent interest rate so I’d certainly recommend Reviewed on: 30th May 2025

Nice to have a credit option which is so easy to use...

Nice to have a credit option which is so easy to use and helps with finances in today’s economy! PayPal credit allows me to comfortably spread payments and keeps my finances stable and it’s so great that it’s available in checkout with one click! Explanation of the credit agreement is nice and informative. Reviewed on: 30th May 2025

Paypal Customer Service and Credit

Paypal Customer Service representatives are always very helpful and sort out any issues in no time at all. Professional service, I would recommend, as well as their Paypal Credit options, they are very helpful and value for money. Reviewed on: 30th May 2025

Sometimes it’s difficult to see the full picture of...

Sometimes it’s difficult to see the full picture of what is owed, on PayPal credit when it is not pay in 4 Reviewed on: 30th May 2025

I’ve used PayPal for years simply because I find it...

I’ve used PayPal for years simply because I find it easy to pay for items online. PayPal has an outstanding customer service and I will continue to use PayPal and will also recommend to friends and family. Reviewed on: 30th May 2025

Everything went smoothly, very helpful in these diff...

Everything went smoothly, very helpful in these difficult times Reviewed on: 30th May 2025

Seamless payments, great customer service.

Seamless payments, great customer service. Reviewed on: 30th May 2025

Top Notch customer service and always there to help...

Top Notch customer service and always there to help me with any issues Reviewed on: 30th May 2025

It is good but could be better

So far using a paypal credit is good for me because you can spread payments up to 36 months with paypal credit 0% APR with some companies which they have a deal but they could bring back offers of 24 - 36 months spread payments with 0% APR on ebay and when I put some offers on ebay to give me payment options with paypal credit like before! But is a good and reliable company, but they could increase the limit a little faster! I am mostly satisfied with them! Reviewed on: 30th May 2025

Preferred method for online payments

This is my preferred method of payment as it is secure. Previously using other methods have had issues. With PayPal reassurance that when there is a dispute with a supplier it is resolved quickly Reviewed on: 30th May 2025

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Very Account
from Shop Direct 4.31 from 27 reviews
Retail Finance
from V12 Retail Finance 4.71 from 25 reviews
Retail Finance
from Close Brothers 2.53 from 12 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.93 from 22350 reviews
Payments
from PayPal 4.91 from 3600 reviews
Debit card
from PayPal 4.00 from 1 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub