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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)

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

Flexible and easily managed.

Flexible and easily managed. Able to decide on best way to use the credit Reviewed on: 27th May 2025

Convenient, safe.

Convenient, safe. Details already entered to save time, and don't have to enter card details. Highly recommend. Reviewed on: 27th May 2025

Feeling betrayed.

Despite me providing all the required information for a scam I experienced, PayPal demanded I sent the item back to China. When I did the seller didn't pick it up from customs as expected and refused to refund. PayPal stood by and di nothing to help despite buyer protection. Now PayPal is charging for the "honour" of having buyer protection for each eBay buy. Reviewed on: 27th May 2025

It’s perfect!

It’s perfect! It’s so easy and simple. But super reliable. I’m using every time . Reviewed on: 27th May 2025

Best paypal at all times.

Best paypal at all times. Using long time Reviewed on: 27th May 2025

Perfect experience when financing online purchases

Perfect experience when financing online purchases Reviewed on: 27th May 2025

Paypal is where i now shop, receive payment and shar...

Paypal is where i now shop, receive payment and share money! Multiple scammers tricked me but due to their strong terms and agreements, these scammers didn’t had any chance and i got most of my money back. Security, payments, convenience. All in one go Reviewed on: 27th May 2025

Great deal

I used the credit quite a bit and always found it affordable and very forgiving. It was worth opening just for the four month interest free period to delay payments. I buy almost everything I can on here and pay it off within a few months, helping with personal cashflow. Reviewed on: 27th May 2025

Amazing platform

Had my paypal account many years. All my online purchase paid though paypal as I found it easy, I don't need to keep give my card details in every online shop. Once I've got scam by online shop and paypal gave me a refund straight away within few days Reviewed on: 27th May 2025

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