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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50806 reviews)

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4.91

Based on 50,806 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 (50806)

Good way of banking online and secure.

Good way of banking online and secure. Reviewed on: 11th June 2024

Great service and secure for online shopping

Great service and secure for online shopping Reviewed on: 11th June 2024

I have found it very useful and I have had no proble...

I have found it very useful and I have had no problems at all I have recommended it to a lot of people including family Reviewed on: 11th June 2024

I had an issue when I wanted to pay additional amoun...

I had an issue when I wanted to pay additional amount of credit. This move cancelled my current amount of payment what caused my credit score lower. Agent wasn't nice to deal with it Reviewed on: 11th June 2024

Received item not as advertised

Pay is always there to help return item received not as advertised Reviewed on: 11th June 2024

PayPal Available Yearlong Providing Advanced Links.

PayPal Available Yearlong Providing Advanced Links. enabling access to worldwide commerce with great service and care over their customer’s transactions Reviewed on: 11th June 2024

Pay pal credit , is built on trust

Great to have , would definitely use it more if they were to raise my credit limit . It’s been stuck at £250 like forever Reviewed on: 11th June 2024

The best buy now pay later

Title: Convenient and Flexible: PayPal Credit Review I have been using PayPal Credit for a while now, and I must say that it has proven to be a convenient and flexible payment option. As an avid online shopper, having PayPal Credit at my disposal has made my purchasing experience hassle-free. One of the standout features of PayPal Credit is the ease of use. It is seamlessly integrated into my PayPal account, making transactions quick and straightforward. With just a few clicks, I can complete my purchase and choose to pay later. This streamlines the checkout process, saving me time and effort. The flexibility provided by PayPal Credit is another key advantage. It allows me to split my payments into manageable installments, which is especially helpful for larger purchases. The ability to choose from various repayment options, such as interest-free financing on eligible purchases, has been a game-changer for me. It gives me the freedom to budget my payments according to my financial situation. Furthermore, PayPal Credit offers a competitive Annual Percentage Rate (APR), making it an attractive choice for those looking for affordable credit options. The transparency in terms of interest rates and fees is commendable, as it allows users to make informed decisions about their purchases. The customer service provided by PayPal Credit has been satisfactory. Whenever I had questions or needed assistance, their support team was responsive and helpful. Additionally, the user-friendly website and mobile app make it easy to manage my account, check balances, and make payments. However, there are a couple of areas where PayPal Credit could improve. Firstly, the credit limit initially provided might be lower than expected, which may limit purchasing power for some users. Secondly, while the integration with most online merchants is seamless, there are still a few platforms where PayPal Credit is not accepted, which can be inconvenient. In conclusion, PayPal Credit is a reliable and convenient payment option that offers flexibility and ease of use. It has simplified my online shopping experience, allowing me to make purchases with confidence and control over my payments. Despite a couple of minor drawbacks, PayPal Credit is a valuable tool for anyone looking for a flexible credit option. Reviewed on: 11th June 2024

Paypal credit is awesome, easy to use!

Paypal credit is awesome, easy to use! Customer service is great. Ive used paypal credit for large purchases and you get that extra peace of mind when buying. Reviewed on: 11th June 2024

I enjoyed the Paypal from the first day I signed up...

I enjoyed the Paypal from the first day I signed up until now Reviewed on: 11th June 2024

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