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PayPal: PayPal Credit reviews

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4.91
Based on 50,809 reviews, last reviewed 1st Feb 2026
No new 5 star reviews
in the past 90 days
100% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
Gabriela O's avatar
Gabriela O

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
Lui R's avatar
Lui R
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About this product

PayPal Credit is a virtual credit card.

PayPal Credit can be added to your PayPal wallet and is accepted at thousands of online stores. Your purchases are protected by PayPal’s 24/7 security and encryption. You also get Buyer Protection on eligible purchases.

PayPal Credit reviews help you find out what it’s really like to be a customer. If you’ve used PayPal Credit before, you can also leave a review and share your experience.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (50809)

Game changer

5
The ease of use is second to none fantastic payment tool. Reviewed on: 11th June 2024
Phil's avatar
Phil

Balance transfer or Cash transfers not available to...

5
Balance transfer or Cash transfers not available to transfer balances from other credit cards Reviewed on: 11th June 2024
Raj T's avatar
Raj T

Always works and is clear.

5
Always works and is clear. App is well laid out. Feels secure Reviewed on: 11th June 2024
Alan 's avatar
Alan

PayPal is great

5
I use PayPal and PayPal credit for almost any purchase online, it adds security to all my purchases meaning if anything does go wrong I can claim through PayPal and they will investigate this. It adds peace of mind to your purchases Reviewed on: 11th June 2024
Jude's avatar
Jude

PayPal credit has been a great tool for my online pu...

5
PayPal credit has been a great tool for my online purchases, easy to repay back monthly. Regular emails to keep me updated! Love it Reviewed on: 11th June 2024
Jodie S's avatar
Jodie S

Very helpful and easy to use.

5
Very helpful and easy to use. There's no surprise with payment plans, and you can choose what suits you. Reviewed on: 11th June 2024
Cecile's avatar
Cecile

Simple and Cost effective

5
It provides a simple and cost effective way of spreading the costs of bigger ticket items. Paypal’s ubiquitousness means it’s usually available for online purchases and it has enabled me to buy more durable things that’ll save me in the longer term Reviewed on: 11th June 2024
Matt L's avatar
Matt L

Easy to use and easy to bother pay one off payments...

5
Easy to use and easy to bother pay one off payments or set up regular payments Reviewed on: 11th June 2024
Leanne M's avatar
Leanne M

convenient credit for eBay

5
I wanted to make some bigger purchases on eBay and Paypal credit gave really good terms for that Reviewed on: 11th June 2024
Dom's avatar
Dom

A great help

5
Very easy and convenient, suitable for all needs, gives zero interest options. Reviewed on: 11th June 2024
A S 's avatar
A S

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