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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50807 reviews)

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4.91

Based on 50,807 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 (50807)

Best Retail Finance Provider.

Always helpful when I’ve needed assistance. Fast and easy to get finance and plans are always excellent and suit my needs. Reviewed on: 28th May 2025

PayPal is great and safe.

I have never had problems with paypal. Is straightforward and easy to use. Always there to help you if you need ot. Reviewed on: 28th May 2025

Always very helpful when you contact them about a qu...

Always very helpful when you contact them about a query. Reviewed on: 28th May 2025

Easy, convenient and customer friendly

Have used PayPal credit for a few years now; the information provided is always clear. Reminders are sent to allow time to make payments. It is also extremely helpful to be able to pay off early or use the pay in three option. I think it’s great! Reviewed on: 28th May 2025

Love PayPal - makes my busy life easier.

I love being able to pay for loads of things online with my PayPal account because it means I don't need to go and get my bank card - that I rarely have one and then I need tobget my reading glasses to see the card! This means I can order items extremely quickly which is important when life is so busy. I also like the fact that I can quickly choose to pay direct from my current account or use PayPal credit. I've only been late with a payment towards my credit once but was so surprised to see how little I had been charged. From memory, I think this was only around £12. Manybuears ago, I was in debt and struggling, and the chaeges were around 3 times higher than this each time! PayPal interest rates seems fair to me too and the pay in 3 option is very helpful as I usually get things paid off before any interest is applied. The only thing I would change about PayPal is the ability to choose the date when setting up a Direct Debit. I want the date to be just after I'm paid but the system only allows it to be the statement date. However, I have not tried contacting PayPal to see if they can change it. Reviewed on: 28th May 2025

Superb and very professional

Always professional and very efficient Reviewed on: 28th May 2025

I love the pay-in-three and the notification you get...

I love the pay-in-three and the notification you get with every transaction. Reviewed on: 28th May 2025

CONVENIENT, EASY TO USE AND ACCEPTED IN MANY OUTLETS

As above, it's a fairly simple procedure to select PayPal at many outlets. My only slight criticism is that I find the statements hard to follow as they don't update in 'real time', like my bank account does. I only realised this after I had had issues with a company who said I had received a refund to my PayPal account when I hadn't as I couldn't find it showing up anywhere. I did not contact PayPal's customer services about this so cannot comment further. Reviewed on: 28th May 2025

No problems.

No problems. Works well. I use it all the time Reviewed on: 28th May 2025

Can't really go wrong with PayPal.

Can't really go wrong with PayPal. Best out there 100% Reviewed on: 28th May 2025

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