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 Write a 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.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.

Write a review

PayPal PayPal Credit reviews (50807)

it is an easy to use option and safety.

it is an easy to use option and safety when purchasing things online. Reviewed on: 29th May 2025

Paypal great where banks fail.

Nice, since banks ate tricky with Credit Score, Paypal gets my money and all the credits opportunities bank could give me. My credit score is almoat perfect but for some reason banks never go through automated checks. Reviewed on: 29th May 2025

Easy to use and nearly aways a paying option at most...

Easy to use and nearly aways a paying option at most online checkouts Reviewed on: 29th May 2025

Spread cost

Helps me spread the cost of paying for stuff with different payment options available example 'pay in three' or paypal credit Reviewed on: 29th May 2025

5/5 Reliable, Secure, and Convenient

I’ve been using PayPal for several years now, and I can confidently say it’s one of the most reliable and user-friendly payment platforms out there. Whether I’m shopping online, sending money to friends and family, or receiving payments for freelance work, PayPal has always made the process smooth and secure. One of the standout features is how easy it is to link a bank account or card, and the ability to pay in just a few clicks saves a lot of time. Their buyer and seller protection policies also give me extra peace of mind when making purchases from unfamiliar websites or individuals. Customer service has been excellent the few times I’ve needed support. They’re quick to respond, professional, and always resolve my issues without any hassle. In terms of value for money, PayPal is fair—there are no hidden fees for standard transactions, and the exchange rates are usually competitive for international transfers. The small fees for business or currency conversion are well worth the convenience and security offered. I’ve already recommended PayPal to several friends and family members, especially those who shop online or travel frequently. It’s a trustworthy tool for handling your finances digitally, and I wouldn’t go without it. Highly recommended! Reviewed on: 29th May 2025

There should be a credit increase each year.

There should be a credit increase each year. Also they are too quick to add late payment fee . Give people a chance. Reviewed on: 29th May 2025

Never had any issues and easy to use

Never had any issues and easy to use Reviewed on: 29th May 2025

Paypal credit service is a fantastic financial tool.

Paypal credit service is a fantastic financial tool. I have been using it for a while now and I am thoroughly impressed with its convenience and flexibility. The application process was quick and easy, and the credit line has been a great help in managing my expenses. The payment options are straightforward the customer service is top-notch. Overall, I highly recommend Paypal credit service to anyone looking for a reliable and user-friendly financial solution Reviewed on: 29th May 2025

Paypal Credit is a lifesaver for me!

Paypal Credit is a lifesaver for me! When I am low on money, I always know I can rely on PayPal credit and don't have to worry for 4 months about paying in full for any big purchases. The cherry on top is that it is 0% interest during this period. Paying over 3 months is also so handy for me for smaller purchases. I 100% trust PayPal buyer protection too so any time I purchase anything I always make sure to pay through PayPal as their customer service is great. Reviewed on: 29th May 2025

to spread the expenses easily with good credit option

to spread the expenses easily with good credit option 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

Very Account
from Shop Direct 4.31 from 27 reviews
Retail Finance
from V12 Retail Finance 4.71 from 25 reviews
Better Off Calculator
from Policy in Practice 4.77 from 400 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