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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)

Very simple to use, accepted by most retail outlets.

Very simple to use, accepted by most retail outlets. Love the option to pay in 3 installments from my bank account and the 4 month interest free period. Safe and secure. Reviewed on: 29th May 2025

I’m happy with it

It helps spread costs and is simple to set up. Reviewed on: 29th May 2025

Very easy to use and convenient.

Very easy to use and convenient. It’s integrated into my curve card that makes it very easy to make payments. Reviewed on: 29th May 2025

Long time user of Paypal Credit

I’ve been using PayPal Credit for many years, and overall, it’s been a pretty handy tool for managing online purchases. I originally signed up because I saw the “0% interest for 6 months” offer on a big electronics purchase, and that really helped me spread out the cost without racking up interest. What I like most is how seamlessly it integrates with PayPal. Since I already use PayPal for most of my online shopping, it was super easy to start using PayPal Credit—no extra cards or accounts to keep track of. The approval process was quick, and I was able to use it right away. Reviewed on: 29th May 2025

Sometime the payment doesn’t go through straight awa...

Sometime the payment doesn’t go through straight away when you want to pay, they should more option of making payments for pay later Reviewed on: 29th May 2025

Pay by Pay Pal, great service charges

Excellent service, interest free payments if paid on time, great communication Reviewed on: 29th May 2025

Efficient, I trust my money is safe using this service.

Efficient, I trust my money is safe using this service. Reviewed on: 29th May 2025

very easy to get credit and low monthly payments

very easy to get credit and low monthly payments Reviewed on: 29th May 2025

PayPal Credit helps me to budget for airline travel

I have used PayPal Credit on a few occasions, when I have needed to spread the cost of a purchase, generally for airline travel booked in the future. This is an excellent way for me to budget and obtain prices at lower rates, as I am able to book at lower rates. I can repay over several weeks/months without losing out on good deals online. Reviewed on: 29th May 2025

I have been using PayPal for year now, and I feel li...

I have been using PayPal for year now, and I feel like they render their services completely for free, from using them for payments to buying stuffs through PayPal credit. I just like using them. Reviewed on: 29th May 2025

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