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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 helpful customer service.

Very helpful customer service...quick decisions Reviewed on: 29th May 2025

It’s always very straightforward to set up PayPal cr...

It’s always very straightforward to set up PayPal credit. It’s always ran smoothly without an hitches. Reviewed on: 29th May 2025

Resolved a problem with an online order that I Han n...

Resolved a problem with an online order that I Han not received, very good service Reviewed on: 29th May 2025

Clarity Needed

There is no way for me to pay off the first debt first. I think this is designed to make you pay a lot of interest to PayPal. It seems a bit unfair. Reviewed on: 29th May 2025

Great Experience with PayPal Credit.

My Great Experience with PayPal Credit I recently had a fantastic experience using PayPal Credit for a larger online purchase, and I wanted to share my positive feedback. I was looking to buy a new piece of electronics, and while I had some savings, I didn't want to deplete them entirely. That's where PayPal Credit came in. The application process was incredibly fast and straightforward, taking only a few minutes to get approved. What impressed me most was the 0% interest promotional period they offered. This allowed me to spread the cost of my purchase over several months without incurring any extra charges, which was a huge relief. Managing my payments has also been a breeze. The PayPal platform clearly shows my payment due dates and outstanding balance, and I receive timely reminders. It's truly given me more flexibility in my budget, allowing me to get what I needed without financial strain. I'm genuinely happy with how easy and beneficial PayPal Credit has been for me. Reviewed on: 29th May 2025

The go-to for online payments and money transfers

Good for shopping online and transferring money to friends and family. Easy to set up and the app is decent. Reviewed on: 29th May 2025

could do better.

In general I've found the service good. However, the app can be troublesome. I've had issues making payments and the customer support isn't very good. Reviewed on: 29th May 2025

Great service very easy good buy now pay later optio...

Great service very easy good buy now pay later option fast service over all a good experience so far, happy to recommend to a friend or family member, thank you so much paypal Reviewed on: 29th May 2025

It was very easy for me to arrange the finance I nee...

It was very easy for me to arrange the finance I needed for my purchase. The product was clearly described and it was easy to fill in the relevant online forms. Reviewed on: 29th May 2025

Really easy to use.

Really easy to use. The app is brilliant, so easy to navigate. Reviewed on: 29th May 2025

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