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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)

Best option on the market

Absolutely brilliant always very secure and reliable easy to use. Just what I need. Reviewed on: 11th June 2024

Expensive cut, the money taken is too much for the s...

Expensive cut, the money taken is too much for the service it provides. Reviewed on: 11th June 2024

I am really satisfied.

I am really satisfied. And happy for work with them. Reviewed on: 11th June 2024

I love it, so easy to use!

I love it, so easy to use! They gave me a great allowance at the end of the year and increased it for me! So thankful. Reviewed on: 10th June 2024

Always straight forward and easy payments

Always straight forward and easy payments Reviewed on: 10th June 2024

Paypal Credit - Flexible and straight forward!

Paypal credit has offered me an immense degree of flexibility in my spending through it’s 0% interest rate for 4 months following a £99 spend policy. I have found that every store online accepts Paypal credit, giving me a huge level of choice in my online purchases. Being accepted was an incredibly easy and straight forward process, as was adapting my credit limit to suit my daily needs. Reviewed on: 10th June 2024

Easy to set up.

Easy to set up. Can contact customer service easily. Clear details about payments. Reviewed on: 10th June 2024

Really helped me build my business by allowing me to...

Really helped me build my business by allowing me to pre pay services I’ve required Reviewed on: 10th June 2024

PayPal has been there for me for years

PayPal has been there for me for years, giving me flexibility and the ability to handle many financial decisions. Without it life would have been more stressful Reviewed on: 10th June 2024

I use PayPal regularly to help split costs and to pa...

I use PayPal regularly to help split costs and to pay for Christmas presents. I find it super helpful and very fair apr wise. Reviewed on: 10th June 2024

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