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)

Never any issues resolving problems.

Never any issues resolving problems. Payment is easy and any disputes are handled well and quickly. Reviewed on: 28th May 2025

"Using PayPal Credit has made my online shopping exp...

"Using PayPal Credit has made my online shopping experience much smoother. The application process was straightforward, and the instant decision was a big plus. I especially like the flexibility of the '0% interest for 4 months' offer, which has helped me manage larger purchases without stress. The app is easy to use, and the payment reminders are helpful in staying on top of my balance. I feel more in control of my finances thanks to PayPal Credit. Highly recommend for anyone looking for a flexible and reliable credit option!" Reviewed on: 28th May 2025

Pay pas is the finest way to pay for the purchse als...

Pay pas is the finest way to pay for the purchse also it is safe. They also given me credit if I want to purchase and pay later. Reviewed on: 28th May 2025

Straight forward ways of spreading payments and keep...

Straight forward ways of spreading payments and keeping on top of finances. Easy to use systems with clear explanations about how to avoid interest Reviewed on: 28th May 2025

Unfortunately when I had contact customer services r...

Unfortunately when I had contact customer services regarding a complaint to merchant I did not find the experience easy or very helpful, subsequently loss money for unsatisfactory products. Reviewed on: 28th May 2025

PayPal is so easy to use and reliable.

PayPal is so easy to use and reliable. You have different payment options. I particularly like the no interest 3 payment option. Reviewed on: 28th May 2025

Ive been unsure about using any kind of Credit

Ive been unsure about using any kind of credit but i had the opportunity with paypal and its been amazing, theres no issues and i can see clearly what i owe and borrowing from them has been amazing. I can really see what my limits are when using paypal and with it being through an app instead of having a card helps me manage it better. Im glad i found PayPal credit and i wished i used it before. Im happy to keep using PayPal for future purchases. Reviewed on: 28th May 2025

Very handy especially pay in installments with zero...

Very handy especially pay in installments with zero percent fee Reviewed on: 28th May 2025

Always handy to have for unexpected expenses.

Always handy to have for unexpected expenses. Easy to use and understand payment options.Pay in 3 helps alot Reviewed on: 28th May 2025

Highly recommend very professional

Great experience customer service sorted my enquiry very quickly and very clearly so I could understand very professional.Highly recommend to family and friends 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

Better Off Calculator
from Policy in Practice 4.77 from 400 reviews
Retail Finance
from V12 Retail Finance 4.71 from 25 reviews
Loan
from Snap Finance 4.90 from 369 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