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PayPal: PayPal Credit reviews

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4.91
Based on 50,809 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
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
Gabriela O's avatar
Gabriela O

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
Lui R's avatar
Lui R
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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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (50809)

Convenient & consistent.

5
Been using Paypal since Ebay first linked up with them. Always been convenient and consistent with me. Will continue to use in the future. Reviewed on: 14th June 2025
David J's avatar
David J

I received a refund to PayPal credit and now I have...

4
I received a refund to PayPal credit and now I have positive credit and I can’t move that money to normal account so I need to spend that money even if I don’t want to. Reviewed on: 13th June 2025
Joao Girao's avatar
Joao Girao

Customer Satisfaction

5
PayPal has been one of the most reliable credit providers I’ve used. I’ve been a loyal customer since 2015, and my experience has consistently exceeded expectations. Their services are dependable, user-friendly, and truly add value. I highly recommend PayPal to anyone looking for a trustworthy financial partner. Reviewed on: 13th June 2025
Sylvester O's avatar
Sylvester O

Simple and easy

5
Easy process and uncomplicated. I haven't had any problems so far and I've been using for a year Reviewed on: 13th June 2025
Ruth Fajemirokun's avatar
Ruth Fajemirokun

PayPal my go to choice for payments

5
I feel more secure using PayPal when making purchases and having credit options too. On the rare occasion I’ve needed assistance they have been easy to contact and resolve my issue. Reviewed on: 13th June 2025
Caroline P's avatar
Caroline P

Online Payments Simplicity

5
I find PayPal incredibly useful for online payments and their pay in 3 and credit options are really good value in my opinion. Reviewed on: 13th June 2025
Rob M's avatar
Rob M

Purchase protection with added credit functions

5
I have used PayPal for years now for general purchasing - PayPal gives you added peace of mind that if something goes wrong, they will help you to put it right. More recently, I've been using PayPal Credit and Pay-in-3 to spread the cost of bigger purchases with zero interest. Very handy! Reviewed on: 13th June 2025
Emma R's avatar
Emma R

Great for big purchases and can budget payments better

4
Great for big purchases and can budget payments better Reviewed on: 13th June 2025
Matthew B's avatar
Matthew B

Secure payments

5
Provides an excellent security service when making payment Reviewed on: 13th June 2025
Roger H's avatar
Roger H

always easy to use Flexible ways of paying back

5
always easy to use Flexible ways of paying back Reviewed on: 13th June 2025
Magda's avatar
Magda

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