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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)

Always chose PayPal credit

Easy to use and set up, never had an issue. A lot of sites are using this as a way of paying. Love that a lot of products are interest free for a while as well. Reviewed on: 29th May 2025

Like having a friend

Always been great to work with and safe . Quick to get back to you about any issues Reviewed on: 29th May 2025

Made a purchase of about £400, was allowed to pay it...

Made a purchase of about £400, was allowed to pay it off within 3 months, without incurring interest Reviewed on: 29th May 2025

An early adopter.

A customer for years I have never found fault with how I've been treated. Any minor issues that have arisen have been quickly and efficiently handled. Transactions are easy to manage and on occasion there are some wonderful promotions. Reviewed on: 29th May 2025

PayPal credit in particular has been a game changer...

PayPal credit in particular has been a game changer for me. I am now able to easily purchase products I otherwise would struggle to because of their pay in 3 and pay later options. I also like the way their minimum payment is optimised to reduce the interest paid over time. All in all it is a fantastic service that I will continue to keep using for the foreseeable future. Reviewed on: 29th May 2025

A very solid service.

I have never had any issues with PayPal. It is just a very solid service. Thank you. Reviewed on: 29th May 2025

5 star functionality

I am a very regular user of PayPal, the system is excellent, very easy to use, very convenient and safe Reviewed on: 29th May 2025

Paypal always there to help you in financial budget...

Paypal always there to help you in financial budget with low interest. Reviewed on: 29th May 2025

Never let me down.

Never let me down. It's dependable Reviewed on: 29th May 2025

Been using PayPal for 10y Never had an issue.

Been using PayPal for 10y Never had an issue...Great Service Reviewed on: 29th May 2025

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