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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50807 reviews)

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4.91

Based on 50,806 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.

PayPal PayPal Credit reviews (50806)

Review of the PayPal, PayPal Credit:

A good help to be honest, sometime you don't want to...

A good help to be honest, sometime you don't want to pay a big amount and spreading the payment for more months is great for buget. Reviewed on: 1st June 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

Good vibes only lol

First and foremost, the ease of application and approval for PayPal Credit was impressive. The process was straightforward, and I received quick confirmation of my credit limit, which allowed me to begin using the service almost immediately. This streamlined approach eliminated the typical hassles associated with applying for credit, making it accessible and efficient. Once approved, using PayPal Credit has been remarkably simple. The integration with my PayPal account means I don't have to enter my credit card details every time I make a purchase. This seamless integration saves time and adds a layer of security, as my financial information is already stored within the trusted PayPal system. The option to view my Credit Agreement directly from my account is also a great feature. One of the standout benefits of PayPal Credit is the flexibility it offers. The ability to spread the cost of purchases over time has been incredibly helpful, especially for larger items. I have found the monthly statements to be clear and easy to understand, detailing my transactions, minimum payment due, and the due date. The reminders are also very helpful to prevent missing a payment and incurring late fees. Setting up automatic payments with Direct Debits has been a fantastic way to ensure I never miss a payment. The customer service for PayPal Credit has also been exemplary. On the occasions I have had questions, contacting customer service on 0800 368 7155 was straightforward, and the representatives were helpful and knowledgeable. Their availability from 8 AM to 6:30 PM Monday to Sunday ensures that assistance is readily available when needed. I also appreciate the security measures PayPal has in place. The reminders that PayPal emails will always include my full name helps me stay vigilant against phishing attempts, and the overall security of the PayPal platform gives me peace of mind. I feel confident using PayPal Credit knowing that my financial information is well-protected. Furthermore, the transparency regarding interest rates and late fees is commendable. I always feel informed about my financial commitments, which helps me manage my finances responsibly. The allocation of payments to purchases with the highest interest rates first is a thoughtful feature that helps minimise overall interest charges. In conclusion, my experience with PayPal Credit has been overwhelmingly positive. The service's convenience, flexibility, security, and excellent customer support make it an indispensable tool for online shopping. I highly recommend PayPal Credit to anyone looking for a reliable and user-friendly credit option. Thank you, PayPal, for providing such a fantastic service Reviewed on: 28th May 2025

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