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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)

I have used PayPal for several years now and not rea...

I have used PayPal for several years now and not really had any issues. Reviewed on: 27th May 2025

Convenience, flexibility, speed and security.

Convenience, flexibility, speed and security. Reviewed on: 27th May 2025

Easy to use and fast, fast payment processing for bo...

Easy to use and fast, fast payment processing for both personal and business accounts and good analytics. Reviewed on: 27th May 2025

I have used PayPal credit many times over the last...

I have used PayPal credit many times over the last five years. It is simple to use and easy to check up on. Communication is businesslike but remains friendly and supportive. Credit limits are realistic. Reviewed on: 27th May 2025

PayPal easy and simple.

PayPal credit is widely accepted, easy to use and access, offering great and simple access to 0% credit. Reviewed on: 27th May 2025

Smooth and Flexible Way to Finance Big Purchases

I recently used PayPal Credit to purchase an iPhone from Argos, and the experience exceeded my expectations. The process was straightforward, and I was pleasantly surprised by how seamlessly it integrated into the checkout. I was offered 0% interest for 4 months, which made it much easier to manage the cost of a high-value item without the pressure of paying it all upfront. The approval was quick, and the entire transaction felt secure and well-handled. I especially appreciated being able to track everything easily through my PayPal account. Having the flexibility to spread the cost over several months without incurring interest made a huge difference and took the stress out of making a major purchase. One thing to keep in mind is that after the promotional period, standard interest rates do apply, so it’s important to plan your payments accordingly to avoid extra charges. Overall, I found PayPal Credit to be a reliable and user-friendly financing option, and I’d definitely consider using it again for future purchases. Reviewed on: 27th May 2025

Easy to use account, easy set up of payments and ext...

Easy to use account, easy set up of payments and extra payments if needed. Fair interest rate, no hidden fees Reviewed on: 27th May 2025

Why PayPal? Why NOT!

So easy to use & choose your own rate of paying back from pay in 3 to 4 months interest free credit. Suits my needs, secure payments, PLUS any tassels with a purchase being broken, list or non existent, PayPal sorts it out promptly Reviewed on: 27th May 2025

Wouldn't shop without them.

I have always used PayPal to shop online since the beginning, I wouldn't use any other method. With PayPal I feel safe and secure shopping and confident that they are 100% behind me and my financial security. Reviewed on: 27th May 2025

Fast easy and reliable never had an issue

Fast easy and reliable never had an issue Reviewed on: 27th May 2025

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