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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)

Been using PayPal for decades and have never had any...

Been using PayPal for decades and have never had any trouble or difficulty using it. There aren’t really any other companies I can say that about. Reviewed on: 27th May 2025

Useful and great for spreading payments

I’ve found PayPal Credit really useful when I need to buy something a bit pricey but don’t want to pay all at once. It’s easy to use at checkout, and I like that I can split the payments over a few months. Reviewed on: 27th May 2025

PayPal is a company you can trust the company gives...

PayPal is a company you can trust the company gives you the opportunity to buy and pay later there interest rate is low and if you have a complaint with a customer PayPal act on it straight away Reviewed on: 27th May 2025

I have used paypal for years now and started using p...

I have used paypal for years now and started using paypal credit roughly 2 years ago and its been the best and most smooth sailing credit i have used to date would definitely recommend to anyone specially on online purchases etc, paypal is very safe and sort out any issue very quickly and fairly Reviewed on: 27th May 2025

I have yet to have a bad experience with Paypal.

I have yet to have a bad experience with Paypal. They have always sorted any problem that I have had fairly. I like the money back protection it offers, should something go wrong Reviewed on: 27th May 2025

So easy to use

Very good, easy to use, and lots of places online that accept them. Convinced my partner to use thembtoo Reviewed on: 27th May 2025

PayPal credit, is very helpful!

PayPal credit, is very helpful! And they also allow 3-4months to pay it back, so I can’t complain really, just wish more places could accept PayPal as a payment method Reviewed on: 27th May 2025

PayPal pay in 3 is very useful.

I really Like Paypal pay in 3. It helps me budget for other expenses during the month without the worry. I have used PayPal Credit in the past and it has been helpful but the credit limit is set very low. Overall though I recommend PayPal for its ease of use and features. Reviewed on: 27th May 2025

Financial freedom

purchased AirPods with PayPal credit for the first time and it’s been way better to manage my money- seems daunting having to spend so much in one go so this is definitely the better way! Reviewed on: 27th May 2025

Great service

Always good experience using Paypal Reviewed on: 27th May 2025

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