Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50807 reviews)

View other PayPal products

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

Read all reviews See your review

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.

PayPal PayPal Credit reviews (50807)

Review of the PayPal, PayPal Credit:

A good help to be honest, sometime you don't want to...

A good help to be honest, sometime you don't want to pay a big amount and spreading the payment for more months is great for buget. Reviewed on: 1st June 2025

Easy & simple

Easy, simple and quick to use whenever needed as well as providing a safe service. Versatile allowing credit or splitting payments into three, it is a good service Reviewed on: 29th May 2025

So easy!!

Easy to get, easy to manage and easy to repay, Reviewed on: 29th May 2025

Great option makes it easy for bigger purchases

Great option makes it easy for bigger purchases Reviewed on: 29th May 2025

Great experience with PayPal credit let's me get big...

Great experience with PayPal credit let's me get big purchases for 0% interest and pay back in time. Really good for helping me save. Reviewed on: 29th May 2025

I find it is easy to navigate on the App

I find it is easy to navigate on the App Reviewed on: 29th May 2025

Easy and secure to use.

Easy and secure to use. It is accepted as payment option for many retailers, therefore reduce the fact of entering credit card details in several pages. Also, the credit options are great ways to pay for nice treats. Reviewed on: 29th May 2025

Ease of use is the key with PayPal.

Ease of use is the key with PayPal, credit is avaliable instantly. Making a purchase is fast and cheap. 0% finance an option. I use PayPal before any other option. Reviewed on: 29th May 2025

Easy to use.

Easy to use. Transparent - no hidden costs. Almost instant decision. Easy flexible payment. Reviewed on: 29th May 2025

no drama

My experience has been one of no drama, never had to use the customer services. I use the credit and pay in 3 more often and never had any issues with the ease of how to operate Reviewed on: 29th May 2025

I have found PayPal very helpful with any problem

I have found PayPal very helpful with any problem or issue you my have and good fast service Reviewed on: 29th May 2025

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Retail Finance
from Close Brothers 2.53 from 12 reviews
Retail Finance
from Omni Capital Retail Finance 4.00 from 4 reviews
Loan
from Snap Finance 4.90 from 369 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.93 from 22350 reviews
Payments
from PayPal 4.91 from 3600 reviews
Debit card
from PayPal 4.00 from 1 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub