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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:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

I use PayPal credit to make any large purchases more...

I use PayPal credit to make any large purchases more manageable with their 4 months interest free on purchases over £99. The app is easy to navigate and understand and you get notifications when the interest free period is expiring! I love it! Reviewed on: 28th May 2025

So far, Pay Pal worked smoothly for me.

So far, Pay Pal worked smoothly for me. Reviewed on: 28th May 2025

Great service.

Great service, secure payment as well. Reviewed on: 28th May 2025

Wonderful

Wonderful, no issues at all, always smooth Reviewed on: 28th May 2025

I enjoy PayPal credit especially the offer for over...

I enjoy PayPal credit especially the offer for over 100 at no APR, it’s easy to use and I make many of payments with it. I contacted customer service to reduce my limit and they were super helpful and happy to do so. Reviewed on: 28th May 2025

Fair rates easy to use lots of interest free deals m...

Fair rates easy to use lots of interest free deals making things affordable at any time not a lot you could ask for I would probably would not have been able to afford a lot of things I want without it Reviewed on: 28th May 2025

my experience is very positive about the movement

my experience is very positive about the movement Reviewed on: 28th May 2025

Secure way to pay

Always feel safe using with PayPal ,I like the ability of being able to spread the cost over 3 months on some items I buy using PayPal and knowing that using PayPal my account and spending is secure Reviewed on: 28th May 2025

It is useful the split of the payments

It is useful the split of the payments Reviewed on: 28th May 2025

Great service

PayPal credit has allowed me to stretch my finances in a way that keep my life moving. Without PayPal credit I would be lost Reviewed on: 28th May 2025

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