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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)

I’ve been using paypal for over years just saying I...

I’ve been using paypal for over years just saying I am truly satisfied and happy with paypal services. Highly recommended to everyone to use paypal, safe to pay safe to use everywhere anywhere and always available anytime you needed it. Reviewed on: 10th June 2024

Quick, easy and incredibly flexible

Quick easy and incredibly flexible feel very confident using it and there’s so many options available Reviewed on: 10th June 2024

4 month interest free option is a lifesaver.

I’ve had PayPal credit for several years now. Having a 4 month interest free option has been an absolute lifesaver for me when purchasing all my bathroom furniture and large kitchen appliances during our house renovation. Reviewed on: 10th June 2024

Lots of options but the online help needs improvement

Good options for payments . Not happy with the in-app online customer service chat Reviewed on: 10th June 2024

Good features

4 months interest free credit on all purchased over £100 is a very useful feature Reviewed on: 10th June 2024

PayPal for peace of mind

I love using PayPal. It can be used on many platforms to use as payment. It has different options such as pay by debit card or credit, has a pay by bank option and also have the facility to use PayPal Credit where you can pay over a certain amount of time. I feel that my details are safe and secure with PayPal which gives me extra piece of mind when purchasing online. PayPal provides the opportunity to send and receive money from friends/family and businesses, offering an alternative to providing bank details. When making purchases you are covered by buyer protection which aso makes using PayPal a very good platform to use. Reviewed on: 10th June 2024

Really good, no complaints only issue I can think of...

Really good, no complaints only issue I can think of is the fact it’s hard to increase the credit limit Reviewed on: 10th June 2024

Really great way to pay and it’s always clear what y...

Really great way to pay and it’s always clear what your balance is and what you need to pay Reviewed on: 10th June 2024

Great and easy to use app.

Great and easy to use app. Always working, no issues. Plenty of availability on other websites too Reviewed on: 10th June 2024

What a joy

Been a pleasure to deal with, easy to sign up and consistent. The no interest for 3 months on purchases has been a god send. Reviewed on: 10th June 2024

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