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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)

Been with PayPal for a few years and have always rea...

Been with PayPal for a few years and have always ready to help Reviewed on: 29th May 2025

PayPal a friendly service.

PayPal has provided excellent service over a number of years and has allowed me to purchase goods as and when I've needed them. They keep you upto date with your purchases and ensure your payments meet your needs. Reviewed on: 29th May 2025

I’ve had a great experience using PayPal Credit!

I’ve had a great experience using PayPal Credit! The application process was quick and straightforward, and I got an instant decision. I really appreciate the flexibility it offers, especially the 0% interest on eligible purchases if paid within 4 months. It’s been a reliable option for larger purchases that I wanted to spread out over time without extra cost. The integration with my PayPal account makes everything easy to manage, and the statements are clear and accessible. Customer service was also helpful the one time I had a question. Highly recommend if you’re looking for a convenient and secure way to finance online purchases! Reviewed on: 29th May 2025

The whole concept of PayPal Credit suits my lifestyl...

The whole concept of PayPal Credit suits my lifestyle and gives me that instant wallet for when I see my next purchase. It also lets me manage my finances in one place. If I've ever had to contact Customer Service, it's always been a fantastic experience for me Reviewed on: 29th May 2025

I will use PayPal wherever possible.

I will use PayPal wherever possible. I love how easy it is to use and the time you have to pay back interest free. The 3 month payments are really helpful too. I love the convenience of it and it’s helped me a lot to manage my money and credit score Reviewed on: 29th May 2025

My experiance has alway been outstanding.

My experiance has alway been outstanding. PayPal are an excellent provider for both credit and ease of payment options. From take 3, to 4 months interest free credit to my credit account, there are always options available. Paypal being widely accepted also makes it easy as I know my transactions are safe and secure compared to inputting my card details into random websites. Having engaged with PayPal customer services a few times, I can honestly say that they always put the customer first. I have always received outstanding support from knowledgable, empathetic staff. Reviewed on: 29th May 2025

Very secure and simple to use, the service is quick...

Very secure and simple to use, the service is quick and reliable and I would recommend it to friends and family Reviewed on: 29th May 2025

I have more confidence in companies that use Paypal.

I have more confidence in companies that use Paypal. Paypal has in the past got me money back when the company failed to deliver or I had faulty goods. I have full confidence when buying through Paypal. Reviewed on: 29th May 2025

Good but can improve

Would like larger credit and more options to pay with PayPal credit Reviewed on: 29th May 2025

PayPal Credit

Ease of use, availability of trustworthy 0% finance options. Reviewed on: 29th May 2025

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