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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50809 reviews)

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4.91

Based on 50,809 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 (50809)

Review of the PayPal, PayPal Credit:

Quick and easy good updates and very timely

Quick and easy good updates and very timely Reviewed on: 3rd June 2024

Absolutely brilliant.

Absolutely brilliant. Great service, amazing experience always and I couldn't recommend more. PayPal credit gives me a way to manage my finances more and I couldn't live without it! It's really incredible and the team are fantastic. Reviewed on: 16th June 2025

Reliable and protected.

PayPal are my heroes, every time I shop I look for a PayPal option to pay, my money is safe and the transactions are always smooth, I've had issues with companies and sellers (eBay) and every time PayPal helps me, they always resolve the situation and I know that I never have to worry. The customer service is always on point, they always keep me in the loop and update me on the case. I don't have to worry. Reviewed on: 16th June 2025

Regularly use this option for booking holidays

Regularly use this option for booking holidays Reviewed on: 16th June 2025

Easiest service to use, great benefits

Easiest service to use, great benefits Reviewed on: 16th June 2025

I’ve used PayPal for years and I’ve mostly had a gre...

I’ve used PayPal for years and I’ve mostly had a great time with it . Not sure how to answer great value for money , however the service has been good Reviewed on: 16th June 2025

PayPal is the way forward.

PayPal is the way forward. Best way to pay your friends, locally and internationally without all the extra banking hidden fees. Reviewed on: 16th June 2025

Easy to use and understand.

Easy to use and understand, never had a problem. Reviewed on: 16th June 2025

Fun , safe and great when in a pinch

Fun , safe and great when in a pinch Reviewed on: 16th June 2025

Mostly good experience.

Mostly good experience. Quicker, easier and safer transaction on the sites which accepts paypal Reviewed on: 16th June 2025

Confusing payment/direct debit process

Poor customer service, the first person did not read my issue properly and gave me an irrlevant answer and when I requested they read ALL my messages regarding my issue I was told that he would transer me to the department that dealt with 'that'. 2 days later, no messages and the chat string had been closed. I rang to speak with someone instead who explained what had happened. The direct debit/make a payment process is confusing, if you edit the payment it seems to cancel it - even the operative I was on the phopne with said it was confusing so what chance does a customer have!. I wouldn't recommend Paypal credit, the only reason I even use it is because of the occasional 4 months free credit offers. Reviewed on: 16th June 2025

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