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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50809 reviews)

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4.91

Based on 50,809 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 (50809)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

I can’t say nothing bad about PayPal Credit and PayP...

I can’t say nothing bad about PayPal Credit and PayPal at all Reviewed on: 9th June 2025

Very satisfied about PayPal.

Very satisfied about PayPal. I like that I can pay in 3 instalments. Reviewed on: 9th June 2025

good with dispute but can be hard to navigate

good with dispute but can be hard to navigate Reviewed on: 8th June 2025

Easy, Quick and Instant.

Very easy to apply, it was pretty instant too. Will Definitely use again. Reviewed on: 8th June 2025

Paypal is simple and effective.

Paypal is simple and effective. Intuitive software both on desktop and mobile with seamless integration to payment platforms. Security always seems up to scratch which instills confidence Reviewed on: 8th June 2025

Have used PayPal credit on a few occasions now when...

Have used PayPal credit on a few occasions now when needed - easy to apply for, very simple process for repayments, good notification system to remind you when things are due to be paid. There is always a reminder in advance to allow for time to organise the repayment. Reviewed on: 8th June 2025

PP No:1 For Safeguarding Your Account

I’ve had to raise a few disputes with PP all with excellent results but there is one that stands out when I was scammed of a substantial amount of money, PP true to their word were very compassionate and resolved my problem, I was so grateful as this was such an upsetting experience, and never thought I’d see my monies again, I’d always recommend PP the safest way to send money and you are safeguarded. Reviewed on: 8th June 2025

Easy, no hassle service, always available when needed!

Easy, no hassle service, always available when needed! Money, crypton in one place. Reviewed on: 8th June 2025

Excellent throughout and easy to make and receive pa...

Excellent throughout and easy to make and receive payments. Reviewed on: 8th June 2025

Very useful and powerful credit tool

Great flexibility with a choice of either pay monthly options or similar to a normal credit card (many of which are 0% which is fantastic). I also like how it is a checkout option at many websites and the process is seamless. Only thing I wish you could do, is manually update your income so your limit can be updated accurately; there isn’t an option to do it, and I couldn’t update it through customer services either. I had a low income when I first signed up to PayPal, and this continues to affect my PayPal credit limit. Reviewed on: 8th June 2025

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