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 See your 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.

PayPal PayPal Credit reviews (50806)

Review of the PayPal, PayPal Credit:

A good help to be honest, sometime you don't want to...

A good help to be honest, sometime you don't want to pay a big amount and spreading the payment for more months is great for buget. Reviewed on: 1st June 2025

My go to for purchases on line and for selling items .

My go to for purchases on line and for selling items . I use PayPal for buying through eBay ,Etsy etc as it is safe & secure. It is a good way to stay in control of your spending the credit limit starts off low and an increase is offered when you show you can manage responsibility but you don't have to accept so you are in control unlike some others who raise the credit limit without your consent. It helps improve your credit rating by showing you spending and repaying in a responsible manner. It is my go to for purchases on line . And now with the added bonus of tracking facility for your purchases makes it a great all round app. Reviewed on: 28th May 2025

Paypal credit is just amazing

PayPal credit's awesome! Their credit limit is a lifesaver for budgeting, and there are zero hidden fees. Reviewed on: 28th May 2025

PayPal is an easy and effective payment method.

PayPal is an easy and effective payment method. I would choose the 4 months interest free rather than using my credit card. Reviewed on: 28th May 2025

Flexible monthly payments.

Flexible monthly payments. Interest free, low payments .easy accessible customer service contact. I would like improvement in refunds/disputes it's too long and drawn out. Reviewed on: 28th May 2025

Perfect with everything, over the years very good ex...

Perfect with everything, over the years very good experience. And highly recommended Reviewed on: 28th May 2025

PayPal have been easy to contact and always great su...

PayPal have been easy to contact and always great support Reviewed on: 28th May 2025

Good service

I have always use paypal for paying for things and and use paypal credit too. It's easy to use without any problems. Reviewed on: 28th May 2025

easy to use, clear and great products offered

easy to use, clear and great products offered Reviewed on: 28th May 2025

Fast response from customer service good deal let yo...

Fast response from customer service good deal let you choose how to do best to you Reviewed on: 28th May 2025

PayPal Credit is very helpful for everyone.

PayPal Credit is very helpful for everyone. 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

Retail Finance
from Omni Capital Retail Finance 4.00 from 4 reviews
Better Off Calculator
from Policy in Practice 4.77 from 400 reviews
Retail Finance
from Zebra Finance 4.76 from 6 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 4.40 from 2 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