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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)

Great credit experience!

I was very surprised I obtained credit with PayPal, so I was delighted. I have had no issues using it and the money is there for me on rainy days. I trust paypal in general to manage my finances and to date I have always had a very positive experience using the app. Everything is easy to understand and navigation of the app runs smoothly. Very pleased overall. Reviewed on: 27th May 2025

It really is a credit to PayPal

It's great for spreading the cost of big items , holidays and such. Reviewed on: 27th May 2025

Seamless Service

PayPal is incredibly easy and straightforward to use for my day to day spending online. The service is seamless and the user interface is great. Reviewed on: 27th May 2025

I found it a very good experience

I found it a very good experience Reviewed on: 27th May 2025

In general Paypal credit it's absolute amazing and s...

In general Paypal credit it's absolute amazing and saved me a couple of time the ease of use is second to none and it allows me to have a flexibility about repayment absolute perfect Reviewed on: 27th May 2025

Great service and payment system

Great service and payment system Reviewed on: 27th May 2025

Used for many years and will continue to do so

Used for many years and will continue to do so Reviewed on: 27th May 2025

The interest free plans are top notch for short term...

The interest free plans are top notch for short term purchases if you want to spread the cost Reviewed on: 27th May 2025

Good customer experience

Good customer experience. Always responds on time and my queries are sorted out. Reviewed on: 27th May 2025

The interest levels are a little high.

The interest levels are a little high. Reviewed on: 27th May 2025

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