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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.

PayPal PayPal Credit reviews (50806)

Review of the PayPal, PayPal Credit:

A good help to be honest, sometime you don't want to...

A good help to be honest, sometime you don't want to pay a big amount and spreading the payment for more months is great for buget. Reviewed on: 1st June 2025

I love PayPal.

I love PayPal. I use the pay in 3 options all the time to help manage my payments and the interest free credit option has been great for bigger purchases. Always so easy to use when paying online too. Trust it more than paying with my actual card and the Buyer Protection option gives me peace of mind. I have used buyer protection though and PayPal did not rule in my favour - disappointing when reports online were saying the company was a scam. So even though there is protection, companies are still allowed to get away with it. Not sure Buyer Protection that really works in practice. Reviewed on: 27th May 2025

Good to delay payment for a few months interest free

Good to delay payment for a few months interest free Reviewed on: 27th May 2025

I use PayPal often and whenever I have had any issue...

I use PayPal often and whenever I have had any issues with my purchases via PayPal they have been quick to respond Reviewed on: 27th May 2025

Awesome experience, always something fall back on.

Awesome experience, always something fall back on. Reviewed on: 27th May 2025

Paypal credit has been my go to for a long time.

Paypal credit has been my go to for a long time..I am.always at peace with it especially the buy now and pay 4 month,gives me time to buy what I want now and pay later. I use them for most of my online purchase and there's never been a regret. They have given me enough credit to cater for my needs. I will always choose paypal. Reviewed on: 27th May 2025

I’ve never had any problems.

I’ve never had any problems. Everything is smooth till now. Pay in 3 is amazing. Reviewed on: 27th May 2025

Paypal credit and pay in 3 helps you easily spread o...

Paypal credit and pay in 3 helps you easily spread out the payments. Very clearly stated in terms and conditions at checkout. Reviewed on: 27th May 2025

Great product

I’ve never had any issues and always have my issues resolved and find it easy to use. I’ve recommended to friends and family as I’ve used other similar products and the user experience isn’t half has good. Reviewed on: 27th May 2025

Easy set up and management

Easy to set up and can be used in plenty of places. I've used for a few big purchases which has allowed me to spread the cost over a year which is great Reviewed on: 27th May 2025

PayPal works for me!

I always feel safe and confident paying via PayPal when buying online. I have also used Pay in 3 and PayPal Credit numerous times now when purchasing larger items for the home as it really helps to spread the cost, without incurring interest charges on top. Reviewed on: 27th May 2025

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