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 to use and creates a safe environment...

PayPal is easy to use and creates a safe environment providing security with payments . It also lets you spread the cost interest free. This is invaluable for those bigger purchases. If you have a problem you can report it and they take over Reviewed on: 28th May 2025

It has all been very positive.

It has all been very positive. It is nice to have the option to use paypal credit. Reviewed on: 28th May 2025

Most convenient to use online for shopping

Most convenient to use online for shopping Reviewed on: 28th May 2025

Easy to use.

Easy to use via the app. Easy for sending money to family and friends. Would recommend. Reviewed on: 28th May 2025

It’s been great, very accessible and my credit limit...

It’s been great, very accessible and my credit limit keeps increasing based on my usage . This is without me applying. Customer service responds quickly to calls and messages. It’s been a worthwhile experience and journey. Reviewed on: 28th May 2025

CNN PayPal purchase security and Credit - Excellent!

I quite simply love having the security that comes with PayPal purchases. Added to spreading payments with PayPal Credit, it’s a no-brainer. Reviewed on: 28th May 2025

Very easy to use when buying an item that allows Pay...

Very easy to use when buying an item that allows PayPal credit, get a notice when a payment is due Reviewed on: 28th May 2025

Really like the 0 percent offers they do

Really like the 0 percent offers they do Reviewed on: 28th May 2025

The best way to pay for things

Its easy to use and pay for things, the paypal credit has been a huge help and easy to manage. Reviewed on: 28th May 2025

Understanding

Always had excellent service.. security when purchasing items.. Reviewed on: 28th 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

Payments
from PayPal 4.91 from 3600 reviews
Better Off Calculator
from Policy in Practice 4.77 from 400 reviews
Retail Finance
from Omni Capital Retail Finance 4.00 from 4 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