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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)

Incredibly easy to use!!

Incredibly easy to use, and manage via the app. To have the flexibility of 0% for 4 months is very useful and you can make different size payments at any time. Reviewed on: 27th May 2025

PayPal is quick,easy and 100% trustworthy

PayPal is quick,easy and 100% trustworthy Reviewed on: 27th May 2025

Convenient and Flexible Credit Option

I’ve had a good experience using PayPal Credit so far. I was approved for a £500 credit limit, which has been very helpful for managing online purchases and spreading costs without immediate pressure. The application process was smooth, and the integration with my PayPal account makes it very convenient to use at checkout. The interest-free period on eligible purchases is a great feature, as long as the balance is paid in time. I appreciate the flexibility and control it offers. Reviewed on: 27th May 2025

Good credit option, easy to repay.

Good credit option, easy to repay. The 4 month 0% intrest is really useful. I would reccomed this for those purchese that dont suit the pay in three option. Reviewed on: 27th May 2025

Recommended (:

I've been using PayPal credit since September and it's a very easy and useful option for payment. highly recommend it. Reviewed on: 27th May 2025

Very easy and convenient to use.

Very easy and convenient to use. Reviewed on: 27th May 2025

Been with them for years!!

I’ve been with PayPal for years and never had any issues with transactions or queries Reviewed on: 27th May 2025

PayPal is the answer to your financial problems

PayPal is so much helpful in time of need Reviewed on: 27th May 2025

Excellent

Never had any problems with them. Reviewed on: 27th May 2025

Super easy and fast payments!

Super easy and fast payments! Brilliant customer service Reviewed on: 27th May 2025

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