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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)

Generally good customer service, easy to use.

Generally good customer service when required. Both on phone and on app. Easy to use app for transactions and balance viewing. Secure and simple to use. Would recommend if looking for a new way to send and receive money. Reviewed on: 28th May 2025

A great option if used appropriately.

A great option if used appropriately. Its integration within the existing PayPal app is excellent too. I use the interest period fairly often. Reviewed on: 28th May 2025

Never had an issue with it, always conveinent and wo...

Never had an issue with it, always conveinent and works well Reviewed on: 28th May 2025

Great experience

I have had nothing but great experiences dealing with PayPal and it's credit services. Reviewed on: 28th May 2025

Straightforward fast process and availability to ins...

Straightforward fast process and availability to instant credit Reviewed on: 28th May 2025

Helpful advice by customer service

Helpful advice by customer service Reviewed on: 28th May 2025

I have always had great support using PayPal thank you.

I have always had great support using PayPal thank you. Reviewed on: 28th May 2025

Easy to use, no fuss - that’s what I want from credi...

Easy to use, no fuss - that’s what I want from credit and purchases. Straight forward process to buy and make payments. Reviewed on: 28th May 2025

I had some concerns trying to sort out the Paypal cr...

I had some concerns trying to sort out the Paypal credit, I spoke with a staff member and all was sorted in a matter of minutes. Reviewed on: 28th May 2025

Money Saver!

My reason for my scores is that you get a period of time to pay an item off before interest is charged. Reviewed on: 28th May 2025

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