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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)

Really good terms and safe to use

Really good terms and safe to use Reviewed on: 27th May 2025

Quick easy and simple process

Quick easy and simple process I would always use if I was short of money and wanted to split the cost over a longer period instead of paying it all upfront Reviewed on: 27th May 2025

Good things on PayPal

Everything on the website works good, good intrest rates on PayPal credit, fast payments Reviewed on: 27th May 2025

Good very usefull.

Good very usefull...makes paying for things online simple Reviewed on: 27th May 2025

Good and Exciting!

Good way to increase credit score but it won’t give you a high limit. Reviewed on: 27th May 2025

The best option

There are so many options available when choosing what payment method to use- I would admit sometimes I forget about Pay Pal as one of my options- but it has never let me down - 2 clicks on my phone and it’s instant- the communication with pay pal is excellent and keeps you totally up to date with your balance etc - Reviewed on: 27th May 2025

I was trying to build my credit

I was trying to build my credit and PayPal have been great and given me the chance to do so. With bad credit and a CCJ no-one would touch me, so I'm very grateful for that chance. Reviewed on: 27th May 2025

Pay in 3 with PayPal

Pay in 3 with PayPal helps me to cover my flight fare without any interest rate and my online shopping. Execellent !! Reviewed on: 27th May 2025

PayPal secure, safe and friendly

The services that PayPal offer are second to none. The security they offer is excellent. Reviewed on: 27th May 2025

Quick customer service to resolve any issues

Quick customer service to resolve any issues Reviewed on: 27th May 2025

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