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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)

Easy to manage and very transparent.

Easy to manage and very transparent. The biggest problem is the number of places you can’t use it because it is so convenient when you can. Reviewed on: 27th May 2025

Absolutely love paypal safe secure and pay in 4 is j...

Absolutely love paypal safe secure and pay in 4 is just so helpful makes purchases so much easier and afford a Reviewed on: 27th May 2025

Easy to use easy to pay

I have been able to shop with some freedom thanks to the help of PayPal credit I manage to organise the pay plan how I need it and what would be a benefit me Reviewed on: 27th May 2025

I find the time it takes for a payment to PayPal cre...

I find the time it takes for a payment to PayPal credit to be registered very long and causes problems. It takes a long time to be processed from my current account which leads to problems with other financial commitments. This is my own complaint with PayPal credit. Reviewed on: 27th May 2025

easy to access

very convenient for online shopping with fast checkout and digital access. Reviewed on: 27th May 2025

I’m confident to use the PayPal account.

I’m confident to use the PayPal account for many years and I don’t have any problems. Reviewed on: 27th May 2025

Excellent service.

I've had to contact customer services on a few occasions and it was so easy. The staff were quick, efficient and extremely helpful. Also just simply shopping and paying by PayPal os so comforting knowing my money is protected. Excellent service. Reviewed on: 27th May 2025

Never had any major issue and I know my money are pr...

Never had any major issue and I know my money are protected in case of bad purchase or fraud Reviewed on: 27th May 2025

Excellent service great customer service too all ver...

Excellent service great customer service too all very kind towards their customers :) PayPal credit is really great had no problems Reviewed on: 27th May 2025

A decade with PayPal and worth the journey

Been with PayPal for almost a decade. Their credit options and accessibility to retailers and service providers have been excellent. Reviewed on: 27th May 2025

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