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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)

PayPal Easy Secure and Flexible

Easy to use and flexible, in that can be used in many areas of spend direct to people or online to businesses. Above all secure. Reviewed on: 10th June 2024

Great experience

I have had a great experience and found it to be easy to use and manage payments. Its great being able to use paypal credit and know I have a safe purchase that is protected Reviewed on: 10th June 2024

I have used PayPal since its inception and it has al...

I have used PayPal since its inception and it has always been a reliable service to help me manage my purchases. Reviewed on: 10th June 2024

Very useful with no hidden fees help with what you...

Very useful with no hidden fees help with what you need when under pressure Reviewed on: 10th June 2024

Have never had any issues.

Have never had any issues when making a purchase using PayPal Credit. They offer many flexible options to suit your requirements. Pay in 3 is great for smaller purchases where you would rather not stick it on the credit card or finance for a longer term. 0% interest for 4 months has been very useful for saving cost on high interest rates when you know you will be able to pay off the purchase balance in the next 4 months. Even if your circumstances change and you run over by a month, you have saved on the interest for 4 months compared to buying with a credit card. To summarise, it is very helpful for me when I need to juggle any small or large purchase into my personal cash flow. Sometimes you can even get a 0% over 12 months offer which really takes the stress away from making them otherwise, bank breaking purchases. Reviewed on: 10th June 2024

PayPal is the best service provider !

PayPal is the best service provider ! Money back guarantee peace of mind in within 180 days . Always supportive and excellent customer service ! Reviewed on: 10th June 2024

Pleasant experience with PayPal and would recommend...

Pleasant experience with PayPal and would recommend to friends and family. Customer service has been prompt, efficient and helpful and were able to immediately respond to my issue. Reviewed on: 10th June 2024

Easy to use.

Easy to use. I love anything user friendly Reviewed on: 10th June 2024

So far so good.

So far so good. think the offers are good and it would be great if oversea transfers are possible at a more affordable rate Reviewed on: 10th June 2024

PayPal and customer service

Staff are always kind courteous and are so helpful Reviewed on: 10th June 2024

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