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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.

PayPal PayPal Credit reviews (50807)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

Good option for payments zero interest

Good option for payments zero interest Reviewed on: 28th May 2025

It’s the same as having a visa or master cards

It’s the same as having a visa or master cards Reviewed on: 28th May 2025

Fantastic

What an excellent protected service Reviewed on: 28th May 2025

I spoke to customer service , had an issue which was...

I spoke to customer service , had an issue which was sort out , very good good service Reviewed on: 28th May 2025

Fantastic service really good to use

Fantastic service really good to use Reviewed on: 28th May 2025

It is very easy to use and secure.

It is very easy to use and secure. I feel confident using it. The interest free 3 month option is a great option to spread the load. I have used their service for serval years. I have recommended their service to friends. Reviewed on: 28th May 2025

Always handy to know that you have PayPal credit the...

Always handy to know that you have PayPal credit there to utilise when needed & so easy to use with no worries! Grey service all round and proceed is clear as to when repayments needs to be made etc - nothing but positive experiences from the service! Reviewed on: 28th May 2025

Mistake ? - a Paypal Credit User's experience.

Concerned that I may have inadvertently made a purchase from a suspect site, I sought to share my concerns with Paypal. Their responses were by way of an immediate callback, calm & measured throughout, in full vindication, & leading to a prompt refund. Thus, I was not 'locked-in' to any overiding contract issues. Paypal Credit is quietly efficient & flexible - a great product. Well done, Paypal. Reviewed on: 28th May 2025

I use it all the time!

It’s easy to use and customer service is very good at handling disputes. I do wish I could use PayPal credit in the US but to be fair, most websites in the UK accept it. Reviewed on: 28th May 2025

Wxcellent opportunity

My experience with PayPal has always been excellent. Everything is user-friendly and clear. PayPal credit is a wonderful opportunity to buy things and pay for them in interest free installments when you don't have the funds to pay the full price at once. Reviewed on: 28th May 2025

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