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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.

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PayPal PayPal Credit reviews (50806)

Excellent

I have been working eith for a long time PayPal Reviewed on: 28th May 2025

Trustworthy!

Always easy to use, they make you feel like they're helping you manage your money - not trying to catch you out to make money. Communication from PayPal is always helpful and it's easy to find the answers you need. Reviewed on: 28th May 2025

Very good experience.

Very good experience. Buyer protection give you peace of mind when buying goods. PayPal pay in three and PayPal credit makes it really easy to shop. Buying items using PayPal with saved debit card means I can shop on the go without having my cards on me. Reviewed on: 28th May 2025

Mostly good apart from no crypto for UK customers

Mostly good apart from no crypto for UK customers Reviewed on: 28th May 2025

Pay pal is a very good way to pay and...

Pay pal is a very good way to pay and secure Reviewed on: 28th May 2025

Better than Klarna, customer service get in touch if...

Better than Klarna, customer service get in touch if payment is missed. Improve on due dates, if it's missed your next due date comes up on the app so looks like a glitch which then affects your credit score Reviewed on: 28th May 2025

easy to pay for things with the added bonus of money...

easy to pay for things with the added bonus of money back help Reviewed on: 28th May 2025

Fast and efficient service.

Fast and efficient service. I use the app regularly and always find it easy to use and efficient! Reviewed on: 28th May 2025

Great experience very easy and clear t’s and c’s

Great experience very easy and clear t’s and c’s Reviewed on: 28th May 2025

Easy to use - interest rate not terrible.

Easy to use - interest rate not terrible. Never had an issue Reviewed on: 28th May 2025

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