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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)

Excellent service

I have been using PayPal for years now and have never had any issues at all. Reviewed on: 27th May 2025

I use PayPal almost daily.

I use PayPal almost daily because I feel safe shopping through them. Excellent customer service also. Thank you PayPal Reviewed on: 27th May 2025

Had a successful experience so far PayPal have been...

Had a successful experience so far PayPal have been very helpful if I’ve had any problems Reviewed on: 27th May 2025

Quick and easy

It was easy to take out the credit option and has easy repayment terms Reviewed on: 27th May 2025

PayPal is great I use it all the time.

PayPal is great I use it all the time. Pay in 3 in my go to. Really happy with the service. It’s been an exceptional service to me for many years. Reviewed on: 27th May 2025

Always available, always easy, one of my best pals

Always available, always easy, one of my best pals Reviewed on: 27th May 2025

I got nothing to add It's simple and very good...

I got nothing to add It's simple and very good service Reviewed on: 27th May 2025

easy to use, very quick.

easy to use, very quick. Great customer service when needed. Reviewed on: 27th May 2025

Decent money lending service.

Decent money lending service. You can see almost everything you need to in the app - how much you owe, transactions, statements, when interest free periods are coming to an end etc. My one complaint is that it would be good to be able to see a breakdown on your statement of exactly which transactions are costing you the most interest and - if possible - giving you the option to decide where your repayments go so you can pay certain purchases off faster than others. Reviewed on: 27th May 2025

Great service

Always feel safe when using paypal , just recently had a issue with a online retailer and paypal sorted it out for me Reviewed on: 27th May 2025

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