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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.

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PayPal PayPal Credit reviews (50807)

PayPal Credit is quick, easy & simple to use.

PayPal Credit is quick and easy to use and simple to understand. The reminders make sure you never miss a payment Reviewed on: 28th May 2025

Positive experience with PayPal, safe easy to use

Positive experience with PayPal, safe easy to use Reviewed on: 28th May 2025

Honestly, PayPal Credit has been a real lifesaver.

Honestly, PayPal Credit has been a real lifesaver for me. There's been a few times I've seen something I desperatly wanted, like when my TV died, and I just didn't have all the cash right there and then. Being able to use PayPal Credit meant I could actually get it sorted without waiting ages to save up. I really like the way they let you split payments or do the whole "buy now, pay later" thing. It makes big purchases feel a lot less scary. Like, for my new headphones, splitting it over a few months was brilliant. I guess it can feel a bit silly sometimes, like when it offers to let you pay for a takeaway in three instalments, haha! But for the bigger stuff, it's genuinely super useful. Definately reccomend it if you're sensible with it. It's helped me out a bunch. Reviewed on: 28th May 2025

Never have had a problem!

Never have had a problem! Great service, lets me know when I have payments due with plenty of notice and the app is easy to use/navigate and displays all the info I need. Reviewed on: 28th May 2025

Raised issue.

Raised issue. Was dealt with quickly and professionally. Agent was very sympathetic and knowledgeable. Reviewed on: 28th May 2025

Customer service team are always very professional,f...

Customer service team are always very professional,friendly and always willing to resolve your query! Reviewed on: 28th May 2025

Paypal is the best!

Paypal is a super easy to use service and great for short term borrowing. I'm very happy with its functions and security. I especially appreciate the safety blanket it offers when completing online transactions or sending other people money. Reviewed on: 28th May 2025

PayPal credit has been very helpful.

PayPal credit has been very helpful.I have never required to speak to an adviser. Therefore, I cannot comment on this Reviewed on: 28th May 2025

Im used PayPal all the time and I’m always happy...

Im used PayPal all the time and I’m always happy Reviewed on: 28th May 2025

Internet accessibility with protection

Easy to use ,lots of options, brilliant for Internet use spending shopping with privacy and security Reviewed on: 28th May 2025

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