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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)

Flexible and Convenient Financing with PayPal Credit"

PayPal Credit is a convenient and flexible way to finance online purchases. It’s easy to use, integrates smoothly at checkout, and offers interest-free financing on qualifying purchases if paid off in time. A great option for managing bigger buys without upfront costs. Reviewed on: 27th May 2025

Paypal is definitely a Pal that you Pay.

Paypal is a safety net when it comes to shopping online, which is becoming more and more accessible. I love that with paypal credit, you can spread the cost without the interest, provided that you make the payments in the agreed timeframe. I was a bit nervous at first, as to how it would work and how it would affect my credit score but I always pay in the allotted time and really appreciate being able to spread the cost, which frees up some finances no matter how big or small, for something else. Obviously like everything, you have to be clear about the finer details before you sign up for any credit because if you are unable to make the payments for whatever reason, it could negatively impact your credit score and leave you in debt. My experience has been a really positive one and I would definitely recommend this type of credit to anyone that is good at budgeting. Reviewed on: 27th May 2025

Safe service

Very easy to use for fast and safe payments. Reviewed on: 27th May 2025

Always made shopping so much easier great value

Always made shopping so much easier Reviewed on: 27th May 2025

Used PayPal for years and I love the safety of it.

Used PayPal for years and I love the safety of it. If a order goes wrong PayPal will step in to help solve any problems between buyer and seller. Reviewed on: 27th May 2025

PayPal easy to keeps you updated

Website easy to use. Get updated when you need to make payment, plus can link bank to pay Reviewed on: 27th May 2025

Super Experience

I have had two experiences, both successful where my money was back in my account within days. No issue in making my claim, answered my questions very quickly. My claim was checked with the seller and I was informed every step of the way. Reviewed on: 27th May 2025

When I've had queries they've always been dealt with...

When I've had queries they've always been dealt with quickly and efficiently. Reviewed on: 27th May 2025

Love Paypal credit

Excellent service. I always have months interest free as long as I pay in time. Super easy to use but the service and the app. Reviewed on: 27th May 2025

Interest free credit

Straight forward easy to use, was pleased to have 4 months interest free credit Reviewed on: 27th May 2025

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