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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)

The main downside

The main downside of the provider is that you do not get a credit card so you are limited to business that accepts paypal Reviewed on: 28th May 2025

PayPal Credit is great.

Ive found PayPal Credit to be super convenient because I can use it at pretty much any online store that takes PayPal, personally ive never found a store that DOESN'T accept paypal credit! The application process was really quick—once approved, I could use it right away without waiting for a physical card or anything like that. Reviewed on: 28th May 2025

Simple, Easy

Clear communication, always easy to use, quick query resolution Reviewed on: 28th May 2025

Had an issue and they sorted it out.

Had an issue and they sorted it out. No fuss Reviewed on: 28th May 2025

Can't fault it, very helpful in time of need

Can't fault it, very helpful in time of need Reviewed on: 28th May 2025

It's been great and has consistently help me spread...

It's been great and has consistently help me spread my purchases over 3 to 4 payments. The usability is top notch too. Absolutely love the UI and the app. Reviewed on: 28th May 2025

Very easy to build up large debt

I let myself build up a large debt. As there's no physical card, I can't transfer to a 0% card. Reviewed on: 28th May 2025

Seamless, Secure, and Supportive

As a long-time PayPal user, I can confidently say that the platform has consistently exceeded my expectations in terms of convenience, security, and customer support. Whether I’m making international transactions, purchasing from online retailers, or sending money to friends and family, PayPal delivers a smooth and intuitive experience every time. One of the most impressive aspects of PayPal is its robust security. The platform gives me peace of mind with every transaction, thanks to features like buyer and seller protection, fraud monitoring, and two-factor authentication. I’ve always felt my financial information was in safe hands. What truly sets PayPal apart, however, is their customer service. On the rare occasions I’ve needed assistance, their support team has been responsive, helpful, and solution-focused—ensuring my issues were resolved quickly and professionally. PayPal’s continuous innovation, user-centric design, and dedication to financial accessibility make it a standout service in today’s digital economy. It’s more than just a payment platform; it’s a trusted partner in my financial journey. I wholeheartedly support their nomination for any award recognizing excellence in digital financial services. Reviewed on: 28th May 2025

Always dealt with any issues quickly and resolved pr...

Always dealt with any issues quickly and resolved problems efficiently. Paypal credit helps me spread the cost of buying larger purchases, I'm really happy with their service . Reviewed on: 28th May 2025

I enjoyed use Pay PayPal excellent customer service...

I enjoyed use Pay PayPal excellent customer service security is topnotch. Reliable safe and fast. Have been using PayPal for almost 20 years without any issues Reviewed on: 28th May 2025

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