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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)

Ease of mind whilst deciding on goods, also interest...

Ease of mind whilst deciding on goods, also interest free 4 months payment option, win win! Reviewed on: 10th June 2024

Very convenient and safe, secure service

Very convenient and safe, secure service Reviewed on: 10th June 2024

I have been with paypal for years and when ever i ne...

I have been with paypal for years and when ever i needed the extra credit to get the things needed for my camper van project that has been going for 4years now paypal credit was there to help and give me that flexibility to pay in installmants and strecth out the payments not just for my camper van project but as a dad of two also for getting things for my little ones. Just excellent i cant be hapoy enough to be apart of paypal really and truly paypal credit paypal has been always there for me when i need it. Reviewed on: 10th June 2024

So many positives

App always works. Easy to understand. Simple to contact advisors when needed. Reliable and secure from of payment, makes my online transactions feel safer. I have used them once to query a company when they tried to refuse refund or return of a faulty product and once the company knew I had paid with PayPal and my transaction was protected and I could flag it they immediately did the right thing. Reviewed on: 10th June 2024

Excellent service offering interest free spending

Excellent service offering interest free spending Reviewed on: 10th June 2024

Love it.

Awesome idea. Great to get big lego sets and build my credit score. Reviewed on: 10th June 2024

Great PayPal!

Great. PayPal have helped me find my musical career and realise my dreams. Reviewed on: 10th June 2024

Paypal has been a great way to buy products and repa...

Paypal has been a great way to buy products and repay over a certain period without interest. Any issues ive had theyve been very responsive and keep you informed on progress. I have recommended to friends who now also use this service. Reviewed on: 10th June 2024

Great way to borrow!

Great way to borrow, easily linked to my PayPal account which makes it quick and simple to use with online shopping. Reviewed on: 10th June 2024

PayPal always keep me informed

PayPal always keep me informed of my balance, payment dates and offers. Any disputes I have are dealt with in an efficient and timely manner Reviewed on: 10th June 2024

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