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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:

A good help to be honest, sometime you don't want to...

A good help to be honest, sometime you don't want to pay a big amount and spreading the payment for more months is great for buget. Reviewed on: 1st June 2025

Paypal is Secure, Fast and Efficient every time

I love Paypal above all it provides security. The reason I say this is because I don't like to give my Card details to too many companies or individuals. Paying with Paypal is secure, fast, efficient and very simple Reviewed on: 29th May 2025

I ve been using paypal for about 6 years and i'm ver...

I ve been using paypal for about 6 years and i'm very happy about the credit limit utilisation,also how fast i grow up my credit score using this app. Reviewed on: 29th May 2025

Very easy to utilise and reliable

Very easy to utilise and reliable Reviewed on: 29th May 2025

Great service, helped me to make many purchaces hast...

Great service, helped me to make many purchaces hastle free Reviewed on: 29th May 2025

Payment process

Never had any issues with payment or refunds Reviewed on: 29th May 2025

Majority good experience,

Majority good experience, however i have encountered difficulty when setting up direct debits to pay my PayPal credit balance Reviewed on: 29th May 2025

Service received is always precise and personal.

Service received is always precise and personal. Reviewed on: 29th May 2025

Oustanding!!! First class.

Incredible service, any time I need to use PayPal Credit, it's there, never let's me down. Reviewed on: 29th May 2025

Always easy to use and easy to find information

Always easy to use and easy to find information Reviewed on: 29th May 2025

Convenient but Use Cautiously

I've been using PayPal Credit for over a year now, and overall, my experience has been fairly positive. It offers a convenient line of credit that integrates seamlessly with your PayPal account, making it easy to manage purchases—especially larger ones. One of the best features is the 0% interest for 4 months on purchases over a certain amount (usually £99 or $99). This has helped me spread out payments without incurring additional costs, as long as I pay within the offer period. The application process was straightforward, and approval was instant. The credit limit they offered was reasonable, and the dashboard is simple to use. I also appreciate the flexibility in repayments, with options to pay the minimum or more depending on your situation. However, there are a few downsides. If you miss a payment or carry a balance after the promotional period, the interest rate can be quite high. It’s easy to lose track of when the 0% period ends, which can lead to unexpected charges. Also, not all retailers accept PayPal, which limits its use compared to a traditional credit card. Reviewed on: 29th May 2025

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