Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50806 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)

Reliable, pain free experience.

I have used PayPal credit on quite a few occasions and each time they have been easy to use and extremely reliable. Any issues that have arisen have been solved quickly and painlessly. Reviewed on: 28th May 2025

easy and simple

easy to use, simple. i love paypal pay in 3 too Reviewed on: 28th May 2025

Smooth seamless process.

Smooth seamless process. Easy to repay full amount at any time Reviewed on: 28th May 2025

Generally convenient, quick and easy.

Generally convenient, quick and easy. Reviewed on: 28th May 2025

The experience has been generally smooth.

The experience has been generally smooth. Customer service experience is great and can be reached out to at almost any time and response rate is quite fast. The dashboard for managing credit is easy to use. Finally the user journey is short and not as arduous as other credit providers. Reviewed on: 28th May 2025

Everything is all quick and easy to use.

Everything is all quick and easy to use. Had no issues whilst using PayPal. Reviewed on: 28th May 2025

Excellent Pay Pal

I have found PP to be easy. It gives you easy access and it is logical and understandable to everyone. Reviewed on: 28th May 2025

Easy way to pay, with protection..

Easy to use, secure transactions, and payment protection, if anything goes wrong..Easy to navigate the website, and a choice of payment options gives good felxibility.The interest-free option puts the individual in complete control, and you can schedule your payments, so you don`t miss a payment.. Reviewed on: 28th May 2025

Gave Us More Options

Paypal credit has helped us out when our hoover had broken and we got a better hoover on a pay monthly 0% interest deal - rather than buy a cheap hoover that would break quickly! customer service could be better but you can’t have it all Reviewed on: 28th May 2025

I have always used PayPal when shopping

I have always used PayPal when shopping online and PayPal Credit was very useful when I was in college, it helped me manage payments on school books and equipment and overall gave me peace of mind knowing I am paying over a short period of time, I now use it for some big purchases, with the cost of living ever increasing it’s a nice little pot that can be used when I need it, I have never had a negative experience with the credit feature and the credit support team, PayPal seem to be the leading payment option and for great reason, they protect the buyer 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

Payments
from PayPal 4.91 from 3600 reviews
Better Off Calculator
from Policy in Practice 4.77 from 400 reviews
Retail Finance
from Omni Capital Retail Finance 4.00 from 4 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