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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.

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PayPal PayPal Credit reviews (50807)

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

I find PayPal does what I need easier and it simple...

I find PayPal does what I need easier and it simple to use Reviewed on: 29th May 2025

Convenient, safe and convenient.

I have used Paypal for many years now and find it a reliable and safe way to pay for online orders. Th pay in three facility is a very good idea especially if you are having to purchase several expensive items, it enables you to order all that is required without having to pay for everything at point of purchase and spreading it over 3 months interest free. The occasional issue I have had was resolved very quickly and easily. A very worthwhile service. Reviewed on: 29th May 2025

PayPal is no go to payment method.

I nearly always use PayPal as I do most of my shopping online. Everything has always gone seamlessly so it is a platform that I trust. Reviewed on: 29th May 2025

Very good experience and helpful, easy to access and...

Very good experience and helpful, easy to access and use. Reviewed on: 29th May 2025

Safe to use, customer services 10/10

Safe to use, customer services are friendly and 10/10 when resolving issues Reviewed on: 29th May 2025

Convenient and secure

I like the convenience with Paypal because it is so widely accepted, and live the fact that my card details are not shared with retailers Reviewed on: 29th May 2025

PayPal monthly pay

Easy to use and enjoy using the PayPal credit where you can pay over a few months and take the ease out your pocket. Reviewed on: 29th May 2025

Easy and efficient Simple to use, accepted by most r...

Easy and efficient Simple to use, accepted by most retailers and always quick to resolve issues Reviewed on: 29th May 2025

Used PayPal for well over a decade.

Used PayPal for well over a decade. The 0% over 4 months is brilliant can always spread the cost out.. app is user friendly. Can't fault them Reviewed on: 29th May 2025

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