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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

User friendly and a lifesaver

Having access to Paypal Credit has been a tremendous support in times of difficulties due to late salaries and more. The interest free repayment within 4 months is perfect for people like me. Reviewed on: 27th May 2025

Easy to use.

Easy to use. Provides good payment options. Peace of mind. Reviewed on: 27th May 2025

ALWAYS HELPFUL STAFF WHEN CALLING WITH A QUERY AND Q...

ALWAYS HELPFUL STAFF WHEN CALLING WITH A QUERY AND QUICK RESPONSE Reviewed on: 27th May 2025

pay pall credit and pay in 3

For me it was very helpfull to have paypall credit right when I need it most and other credit cards did not accept me!I Always pay my monthly payments and I love pay in 3! It helps a lot. Reviewed on: 27th May 2025

Excellent

It is extraordinary way of payment and simplify your way to pay in 4 months Reviewed on: 27th May 2025

Whenever I get in touch with customer service to sor...

Whenever I get in touch with customer service to sort anything out it always get resolved right them and there Reviewed on: 27th May 2025

Easy to use options, fast transactions, good custome...

Easy to use options, fast transactions, good customer service Reviewed on: 27th May 2025

Easy to obtain, transparent rules.

Easy to obtain, transparent rules. Great help to buy a lot of things Reviewed on: 27th May 2025

Only get PayPal credit if you have tried all other a...

Only get PayPal credit if you have tried all other alternatives with very low interest rate and found none. I never wanted to use it, but at the time I got it I read that there wasn't going to be interest. Until later it was updated that certain interest were going to be paid. You pay a certain amount in a month and find out the interest taken from what you have paid is big. So if you're not careful it might take you very long to clear as little as £1,000 pounds. If you do not need it and can do without it please do not take it, as at the time I took it my entire household was in financial jeopardy and I couldn't feed my three kids and wife as I had just lost everything then, and at that time the paypal credit was a saving grace. If you're not in dire need please avoid it, but if you are in dire need then go for it. Reviewed on: 27th May 2025

Best in the industry, it helps a lot with big purcha...

Best in the industry, it helps a lot with big purchase as most of the merchants accept it and specially pay in installment feature makes it a king in the sector. Reviewed on: 27th May 2025

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