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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.

PayPal PayPal Credit reviews (50806)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

Very easy to use, fair decision making on amount of...

Very easy to use, fair decision making on amount of credit allowed. Useful backup for payments Reviewed on: 28th May 2025

Very responsive customer service and value for money

Very responsive customer service and value for money Reviewed on: 28th May 2025

Paypal MY PAL!.

After calling customer service to enquire about a direct payment not showing as cleared, i was immediately put at ease by the friendly, and professional staff. It is reassuring to know that my PayPal credit account has a great interest rate, and is a reliable service to use, especially when paying for goods online. Reviewed on: 28th May 2025

PayPal it's the way

It's always there when you need it with not huge interest and not many others offer pay in 3 or 4 months with no interest. Reviewed on: 28th May 2025

What's your excuse, not using PayPal?

Good way of managing my expenditure and debt. The option to buy and spread payments sometimes, interest free. PayPal credit has been a God sent, for me and the customer service/ protection are very highly recommended as monetary issues are professionally and satisfactorily dealt with. Reviewed on: 28th May 2025

Very very good 100 %

A good review is informative, honest and detailed. Here are a few tips for writing a review: Reviewed on: 28th May 2025

Use PayPal services regularly.

Use PayPal services regularly and never have a problem. Reviewed on: 28th May 2025

Very good service and experience

Very good service and experience Reviewed on: 28th May 2025

It's been a great financial help.

It's been a great financial help. The reminders for repayments and the split billing feature have been very useful to know. I always felt informed, and PayPal is always there to help. Reviewed on: 28th May 2025

Overall its a good experience so far.

Overall its a good experience so far. Excellent service Reviewed on: 28th May 2025

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