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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)

Easy to use app and very straightforward to transfer...

Easy to use app and very straightforward to transfer money to other parties Reviewed on: 28th May 2025

Safe and secure is what I like.

I would never make a purchase online if there is not a PayPal option. Safe and secure is what I like. That simple Reviewed on: 28th May 2025

An easy and seamless way to shop.

An easy and seamless way to shop. Really grateful that PayPal Credit exists as it gives you time to be able to pay towards things you desire but without crazy amounts of interest! Any problems have always been swiftly resolved and I’d recommend PayPal Credit to friends and family. Reviewed on: 28th May 2025

Trusted payment method

I use PayPal credit to pay for my phone contract, it helps me protect myself if I don't have enough money in current account. I know I will be able to pay it back the following month aslong with anything else I may need or unessqcery costs. It was easy to set up and now u have it saved for whenever I need to use it. Most sites use PayPal as one of their trusted payment methods and selecting the credit option is easy and pass code protected Reviewed on: 28th May 2025

I have used PayPal in a number of it's forms.

I have used PayPal in a number of it's forms. As a direct payment method, as a pay in 3 and over 12 months. It's a versatile way to pay. Some months I've encountered unexpected surprises - my car needed a new spare wheel, I was able to replace it buy purchasing it over 3 interest free payments, using PayPal. Reviewed on: 28th May 2025

PayPal is simple and easy to use and navigate as wel...

PayPal is simple and easy to use and navigate as well as providing a secure payments portal as well using with people you don’t know. Using just an email address keeping your bank details secure Reviewed on: 28th May 2025

I have used PayPal as a safe means of online payment...

I have used PayPal as a safe means of online payment for many years - I've never had a problem. In fact when I did have a problem with a seller I had bought from who had become uncommunicative in resolving an issue I eventually turned to PayPal for help. After reviewing the facts PayPal found in my favour and I received a full refund in less than a week. Reviewed on: 28th May 2025

Great Option To Pay In Three.

Pay in three a great little tool to spread the cost of your purchase. Reviewed on: 28th May 2025

The credit from PayPal was available immediately.

The credit from PayPal was available immediately. Thank you! Reviewed on: 28th May 2025

Easy to follow finance

Very straight forward finance, customer service easy to contact if required. Fast response times and easy to understand guidance. Reviewed on: 28th May 2025

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