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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:

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

Efficient and easy to access.

Efficient and easy to access. Manageable repayments. Reviewed on: 27th May 2025

Thumbs up for PayPal

I’ve been with PayPal for several years, the app is easy to navigate, I feel safe knowing that my transactions are secure .its easy to connect with Customer Service who are quick to respond and helpful Reviewed on: 27th May 2025

Brilliant Efficient Service!

Brilliant amount of credit when I really needed it - so much appreciated! Terrific detailed information & updates on my account every step of the way, great customer service & a very good manageable repayment plan. Thank You PayPal! Reviewed on: 27th May 2025

Amazing offers and plans.

Amazing offers and plans. It is so helpful but the interest on the PayPal credit is high Reviewed on: 27th May 2025

Exception

It’s very easy to use very secured and always provide the best. Reviewed on: 27th May 2025

Thankful for an impeccable service!

Thankful for an impeccable service! Reviewed on: 27th May 2025

I have been using Paypal for years now.

I have been using Paypal for years now. Recently using the inbuilt credit facility. Its really useful Reviewed on: 27th May 2025

I’ve had a great experience using PayPal Credit.

I’ve had a great experience using PayPal Credit. The 0% interest for 4 months has been really helpful, especially for spreading the cost of bigger buys like electronics or travel. It's easy to set up and integrates smoothly with my PayPal account, so checkout is quick and hassle-free. I like that there’s no annual fee, and I get the added confidence of PayPal Buyer Protection. As long as I pay off the balance within the promotional period, I don’t pay any interest—which makes it a smart budgeting tool for me. For anyone comfortable managing payments and looking for a flexible, interest-free option, I’d definitely recommend PayPal Credit. Reviewed on: 27th May 2025

Paypal review

Nearly every time I need to sort something financial it goes through PayPal. Reviewed on: 27th May 2025

Great products.

Great products. Zero % interest is always nice! Easy to make repayments and always good comms from them before a payment is due. Definitely handy for monthly cash flow being able to purchase larger items using the credit facility and no interest if paid back in a few months. Reviewed on: 27th May 2025

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