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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50808 reviews)

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4.91

Based on 50,808 reviews, last reviewed 12th Mar 2026

200% 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

cccccccccccccccccccccccccccccccccccccccccccccccccccc... cccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Reviewed on: 12th March 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)

All you need when you need it.

All you need when you need it. I had no issues. They are offering enough choices. Reviewed on: 29th May 2025

Great payment plans with 0% interest options

PayPal has helped me to pay for large purchases, with great 0% deals if paid back within 4 months, and easy straightforward payment plans. Reviewed on: 29th May 2025

I buy a lot of vinyl and sometimes I need the money...

I buy a lot of vinyl and sometimes I need the money there and then so I don’t miss out on a great deal. PayPal gives me this flexibility therefore allowing me time to sort and not miss out. Reviewed on: 29th May 2025

Simple, straight forward service.

Simple, straight forward service. I enjoy the ease if using the app to manage my repayments. Highly recommend. Reviewed on: 29th May 2025

Excellent facility

Excellent, flexible and convenient facility. Reviewed on: 29th May 2025

Great experience

I have been having a great experience with Paypal. I recently openened a Paypal credit account and paid for a purchase from the credit account and now I am paying it back to Paypal interest free. Reviewed on: 29th May 2025

Easy to apply, but expensive and high interest rate.

Easy to apply for and quick and easy application. Straight forward Website shows amount outstanding, easy ways to pay and how much. Draw back being higher interest rate than most other lenders once short interest free period has finished. I would certainly continue to use PayPal Credit once my current balance has reached zero, just for smaller purchases that can be paid for in full inside the interest free period. Reviewed on: 29th May 2025

Requested credit and received it.

Requested credit and received it. Reviewed on: 29th May 2025

Very good for buyers ebay and transfers money

Very good for buyers ebay and transfers money Reviewed on: 29th May 2025

PayPal credit helps me budget and on the odd occasio...

PayPal credit helps me budget and on the odd occasion I’ve had to contact support they were very helpful Reviewed on: 29th May 2025

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