Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50807 reviews)

View other PayPal products

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

Read all reviews Write a review

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.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.

Write a review

PayPal PayPal Credit reviews (50806)

Works for me.

Works for me. Good offers time to time for paying no interest back. I can mange my limit very easy. The app is excellent. Really handy for those unexpected and expected purchases. Reviewed on: 28th May 2025

Never had any issues and have used PayPal credit for...

Never had any issues and have used PayPal credit for many things over the years. Always great to use and comes in very helpful when times are tight Reviewed on: 28th May 2025

Best International payment partner for over a decade

I have been using paypal for over a decade now and this is the most useful international payment option TBH Reviewed on: 28th May 2025

I use PayPal for all my purchases.

I use PayPal for all my purchases. It is so simple, easy to keep track of all payments including direct debits. I often use my credit and pay in 3 options which is great when trying to budget. PayPal is a necessity with my purchases and the service they provide, including excellent customer service. Easy transactions, easy budgeting, secure personal details and monthly statements. The best! Reviewed on: 28th May 2025

Easy and fast.

Easy and fast. It is not complicated at all. All the info is there. No grey areas. Reviewed on: 28th May 2025

3 month interest free scheme very useful

I wanted to buy a relatively expensive new tool and used the 3-month interest free option to spread the cost. The Direct Debit payment option was not entirely smooth but overall I am very happy. Reviewed on: 28th May 2025

Easy to use and setup, used it a few times and has b...

Easy to use and setup, used it a few times and has been easy to setup, and spread payments over 4 months. Reviewed on: 28th May 2025

Great experience.

Great experience. PayPal credit has been extremely useful especially in the first 3 months when I started using it. Reviewed on: 28th May 2025

Never had any problems

Never had problems with the payments or pay in 3 Reviewed on: 28th May 2025

It's an excellent service company since m using, nev...

It's an excellent service company since m using, never had any problems, give me my refund where i needed. It's fabulous, really recommended. Reviewed on: 28th May 2025

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Retail Finance
from Novuna Personal Finance 4.76 from 172 reviews
Very Account
from Shop Direct 4.31 from 27 reviews
Retail Finance
from Zebra Finance 4.76 from 6 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.93 from 22350 reviews
Payments
from PayPal 4.91 from 3600 reviews
Debit card
from PayPal 4.00 from 1 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub