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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)

Great purchase experience!

Very easy to apply and no issues with purchases so far. The app experience is also smooth and user friendly! Reviewed on: 28th May 2025

Credit limit?

It's a good idea, but there is little scope as to how to increase your credit limit. I had this account at the start and had a larger credit limit than I do now and it was changed without much warning for no reason. It made me less inclined to use the service as I had intended on it for making a large purchase and paying it back over time. Because they reduced the amount and the length of time you could have credit for, I went elsewhere. Reviewed on: 28th May 2025

Great Short Term Credit Finance Tool

I find PayPal a great way to spread costs of purchasing medium expensive items over a short period of months very useful. Reviewed on: 28th May 2025

PayPal and PayPal Credit.

I have used PayPal for many years and when I needed to make a larger purchase PayPal Credit helped me achieve this. I have regular emails regarding my account and would highly recommend Reviewed on: 28th May 2025

Great all round

Easy to use; can add multiple cards which make selecting the right payment offer simple too Reviewed on: 28th May 2025

Efficient and quick service, easy to set up and moni...

Efficient and quick service, easy to set up and monitor, with detailed guidance provided throughout. Great experience overall Reviewed on: 28th May 2025

Use it all the time, helps manage cash flow

Use it all the time, helps manage cash flow Reviewed on: 28th May 2025

PayPal is great, it makes paying online feel safer a...

PayPal is great, it makes paying online feel safer and I like the different options available such as pay in 3. Reviewed on: 28th May 2025

Simple, clear rules and easy to set up

Simple, clear rules and easy to set up Reviewed on: 28th May 2025

PayPal have always been great and provide great flex...

PayPal have always been great and provide great flexibility and payment options. Reviewed on: 28th May 2025

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