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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50806 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)

Fast efficient competitive secure easy to use availa...

Fast efficient competitive secure easy to use available most places Reviewed on: 28th May 2025

Helpful for spreading costs

PayPal Credit has been a helpful tool for managing larger purchases, especially with the 0% interest for 4 months. It’s a great option when you want to spread the cost without immediately feeling the impact. The application process was simple, and it integrates smoothly with my PayPal account. As long as you keep track of payments and clear the balance on time, it can be very effective. I’d recommend it for short-term financing — just be aware of the higher interest rate after the promotional period. Reviewed on: 28th May 2025

Always reliable service.

Always reliable service. Transparent statements and good communication on changes and updates. Reviewed on: 28th May 2025

Great Customer service.

Had difficulty getting a refund from a returned item. Paypal customer service was great, they refunded me and contacted the company. Reviewed on: 28th May 2025

Paypal credit is a life saver.

Paypal credit is a life saver. I had few gifts to buy and with PayPal credit I was able to get them without any stress Reviewed on: 28th May 2025

Great interest rate and easy to use app

Great interest rate and easy to use app Reviewed on: 28th May 2025

Very convenient payment method.

Very convenient payment method. I've been using it for a few years now and have never had a problem. Recommend Reviewed on: 28th May 2025

Excellent

Everything about pay pal credit is brilliant Reviewed on: 28th May 2025

Easy to use and i feel safe using PayPal, also good...

Easy to use and i feel safe using PayPal, also good prompts and reminders when your interest free is coming to an end, nothing hidden. Reviewed on: 28th May 2025

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