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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50809 reviews)

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4.91

Based on 50,809 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.

PayPal PayPal Credit reviews (50809)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

I've always had pleasant customer experiences with P...

I've always had pleasant customer experiences with PayPal, one time I reported a transaction I didn't recognize on my account and it was immediately sorted and I received a refund promptly Reviewed on: 11th June 2025

Paypal credit

Paypal has always been easy to use, everything is simple and the offers and options they offer are brilliant. Pay in 3? Pay in 4 months 0% interest? Pay in monthly installments ranging between 6-36 month? Paypal got you covered for it all. Reviewed on: 11th June 2025

It’s been seem less and effortless using PayPal, eve...

It’s been seem less and effortless using PayPal, everything is on the go the moment you process your transaction, no delays at all. Reviewed on: 11th June 2025

Very handy and useful integrated within many sites a...

Very handy and useful integrated within many sites and platforms Reviewed on: 11th June 2025

Very easy and convenient to use, especially the pay...

Very easy and convenient to use, especially the pay in 3 option which has been very handy for myself. Reviewed on: 11th June 2025

Very good service that has lots of use cases with ma...

Very good service that has lots of use cases with many businesses and vendors accepting it. Good for a rainy day situation! Reviewed on: 11th June 2025

Low interest

I've been using PayPal credit for awhile now. It's flexible and the low interest. I can easily manage my direct debit Reviewed on: 11th June 2025

All good in general, I’m strongly recommending PayPa...

All good in general, I’m strongly recommending PayPal for everyone Reviewed on: 11th June 2025

Convenient and Easy to Use, but Watch the Interest

I’ve used PayPal Credit for book flight tickets purchases over the past year. The application process was quick and approval was instant. I particularly like the 0% interest on purchases over a certain amount if paid within the promotional period — it’s a helpful budgeting tool. The integration with my PayPal account is seamless, and I receive clear monthly statements. However, the interest rates after the promotional period are quite high, so it’s essential to pay off the balance in time. Overall, a convenient option if managed carefully Reviewed on: 11th June 2025

Nice easy to use service

Really easy to use and the pay in 3 feature is an excellent addition Reviewed on: 11th June 2025

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