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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)

It's so easy to get the credit you need.

It's so easy to get the credit you need and then manage payments. I've used a number of other apps but I always come back to PayPal for ease of use. Charges are clear so I know what I'm paying and if I need more time to pay I can see how much it's going to cost me. Takes the stress out of credit. Reviewed on: 29th May 2025

Five stars!

A great way to control large or unexpected purchases. Customer services are incredibly helpful - nothing is to much trouble for them. Reviewed on: 29th May 2025

It's been great with PayPal and customer service is...

It's been great with PayPal and customer service is good too Reviewed on: 29th May 2025

Used to buy flights for honeymoon.

Used to buy flights for honeymoon. Was easy and hassle free and allowed me to pay over several months. Was great! Reviewed on: 29th May 2025

PayPal - someone who helps

PayPal - someone who helps you when things go wrong, protecting your money Reviewed on: 29th May 2025

Customer service for PayPal is unique and helpful.

Customer service for PayPal is unique and helpful. Very easy to contact someone that is human is 100percent great. Reviewed on: 29th May 2025

Easy process, easily accessible.

Easy process, easily accessible. Carefully considered. Reviewed on: 29th May 2025

Overall a smooth ride using PayPal credit

Overall a smooth ride using PayPal credit option. Sometime the monthly repayment calculation could be confusing, but everything else is perfect. Reviewed on: 29th May 2025

It’s a very frustrating experience.

It’s a very frustrating experience. My monthly payment often bounces despite me having the money in my card and I then pay payment failure fees. They also support the genocide in Palestine. Can’t wait tell I have the money to pay their credit and move away. Reviewed on: 29th May 2025

With PayPal credit, shopping becomes easier.

With PayPal credit, shopping becomes easier. You can use few options with PayPal credit to complete any shopping you like. Reviewed on: 29th May 2025

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