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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)

Paypal offers convenience, innovation and flexibility.

Paypal offers a very convenient, adaptable and friendly service, with a range of credit options; their PayPal Credit is competitive and customisable, and their Pay In Three is handy and innovative. Reviewed on: 27th May 2025

using the paypal credit for over a year and its been...

using the paypal credit for over a year and its been good, simple and quick to use. The security and constant update in place to ensure right authentication is good. Reviewed on: 27th May 2025

Easy to use and any problem they sort it

Easy to use and any problem they sort it Reviewed on: 27th May 2025

Use of PayPal

I love PayPal because you can pay for products over time, I always use PayPal Reviewed on: 27th May 2025

Widely available, with flexible 0% options

Widely available, with flexible 0% options to buy now pay later, or pay in 3. PayPal credit is my go to payment method for larger purchases allowing me to spread the payments over 5 months without paying any interest. I can’t remember the last time I bought anything for £150 or more without using it. Reviewed on: 27th May 2025

I honestly love PayPal Credit.

I honestly love PayPal Credit. It’s made such a difference for me when it comes to managing my money. Being able to split payments over four months without any interest takes so much pressure off, especially for bigger purchases. It feels like they’ve actually thought about what real people need. It’s flexible, straightforward, and just makes life easier. Reviewed on: 27th May 2025

Easy peasy shopping for all!

PayPal makes shopping so easy and I feel safe when using it online. My only complaint is Amazon don’t accept it but I guess that’s them rather than PayPal. I love not having to go and find my cards when shopping online! Reviewed on: 27th May 2025

PayPal is fantastic.

PayPal is fantastic. You can pay without hussle Reviewed on: 27th May 2025

Good honest service ,easy to use and navigate

Good honest service ,easy to use and navigate Reviewed on: 27th May 2025

Easy to set up and use.

Easy to set up and use, knowing your money is safe. Reviewed on: 27th May 2025

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