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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)

PayPal gives me peace of mind when shopping online.

PayPal gives me peace of mind when shopping online. It offers pay in 3 and 4 months free credit over £100. I've been able to purchase so much through PayPal and I am very grateful for all these years of service. Reviewed on: 28th May 2025

Pay Pal Credit is so easy for spreading out the cost...

Pay Pal Credit is so easy for spreading out the cost on larger purchases, and it's really convenient to set up and manage how much I want to spend. Having 4 months interest free to manage my spending is just so useful. Reviewed on: 28th May 2025

It easy and convenient, fast and good options, reall...

It easy and convenient, fast and good options, really recommend Reviewed on: 28th May 2025

Been very helpful from the start.

Been very helpful from the start. Had problems in the past with money but they have been kind and understanding with helping me out Reviewed on: 28th May 2025

Never had problems with PayPal.

Never had problems with PayPal. Service always excellent Reviewed on: 28th May 2025

I've been using PayPal for several years, and overal...

I've been using PayPal for several years, and overall, the experience has been excellent. It's easy to use, widely accepted, and very convenient for online shopping, subscriptions, and sending money internationally. The user interface is intuitive, and transactions are usually processed quickly. Customer support has been helpful when needed, and currency conversion is fast and reliable, making international payments smooth and efficient. Reviewed on: 28th May 2025

I have been using pay pal for a number of years now.

I have been using pay pal for a number of years now. I have purchased 2 new phones using pay pal credit. I use pay pal alot when buying on line. When family owe me money they can pay me back using pay pal. Reviewed on: 28th May 2025

Paypal credit

I’ve been using PayPal Credit for over a year now, and it’s been an incredibly convenient tool for managing my online purchases. The setup was quick, and because it’s integrated with my PayPal account, I didn’t need to jump through hoops to get started. What I love most is the flexibility—especially the “No Interest if paid in full in 6 months” offer on purchases over a certain amount. It gives me the freedom to make bigger purchases and space out payments without feeling overwhelmed by interest. That feature alone makes it a smart budgeting tool. The user interface is clean and easy to navigate. I can track purchases, check my balance, and make payments directly from the PayPal app, which is super convenient. I’ve never had an issue with customer service either; the few times I had questions, they were addressed promptly and professionally. For anyone who shops online regularly or wants a little more breathing room with payments, I highly recommend giving PayPal Credit a try. It’s been a reliable and trustworthy option for me, and I plan to keep using it for the long run! Reviewed on: 28th May 2025

They are credible .

They are credible . They are safe to pay with. If there is an issue you can get your money back easily Reviewed on: 28th May 2025

I’ve loved using PayPal credit to payoff my purchases.

I’ve loved using PayPal credit to payoff my purchases. Reviewed on: 28th May 2025

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