Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50808 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 (50808)

Great customer service

Amazing experience with PayPal all those years that I have been using it since 2010 Reviewed on: 30th May 2025

It’s a fab

It’s a fab thing to have nice to have that safety when buying known if you are being scammed that they can help you get your money back Reviewed on: 30th May 2025

I had a great experience using PayPal for an online...

I had a great experience using PayPal for an online purchase recently. The checkout process was quick and secure, and I appreciated not having to enter my card details every time. When I needed a refund for a product that arrived damaged, PayPal’s Buyer Protection made the process simple they handled the claim promptly and I got my money back within a few days. It gave me peace of mind knowing I was covered. Reviewed on: 30th May 2025

Paypal Credit has been a lifesaver many times.

Paypal Credit has been a lifesaver many times. I'd highly recommend it to others. Pay in 3 is so useful and the 0% for 4 month is great too Reviewed on: 30th May 2025

I find that paypal is always prompt to reply to quer...

I find that paypal is always prompt to reply to queries with workable solutions. Reviewed on: 30th May 2025

PayPal Credit have offers you hardly get else where.

PayPal Credit have offers you hardly get else where. Their terms are simple and straightforward. Reviewed on: 30th May 2025

Good credit options when you need them

The pay in 3 credit option has been incredibly helpful as has the PayPal credit 0% interest for 4 months plan. I was accepted for credit by PayPal after being rejected by NatWest. Reviewed on: 30th May 2025

Used most of Paypal's services and they're all good.

Used most of Paypal's services and they're all good. Used the Credit function for a large PC purchase and had no issues with it, clear payment plan and updates in appropriate format as and when required. Reviewed on: 30th May 2025

Reliable, secure and simple

Reliable, secure and very simple when it comes to arranging payments and payment plans Reviewed on: 30th May 2025

I have a nice kitchen now thanks to PayPal Credit!

I’ve used PayPal Credit for a few years now and continue to be impressed by how simply and smoothly all transactions go. The various payment options are really good too as I can pick and choose the payment plan best for me based on what I’ve bought. For larger purchases I usually take advantage of the 0% interest for 4 months. I’ve been able to finish doing my kitchen up this year largely thanks to PayPal Credit so I’m very happy! 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

Retail Finance
from V12 Retail Finance 4.71 from 25 reviews
Very Account
from Shop Direct 4.31 from 27 reviews
Loan
from Snap Finance 4.90 from 369 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.93 from 22351 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