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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)

Excellent

Everything about PayPal is excellent. Reviewed on: 27th May 2025

Hassle free and easy to manage

Every easy to apply for and just as easy to add to digital wallet Reviewed on: 27th May 2025

Great Company

I always use paypal, great service, would highly recommend Reviewed on: 27th May 2025

I’ve only just started to use PayPal in the last few...

I’ve only just started to use PayPal in the last few years. I purchase all my travel on there and pay in 3 for the more expensive fares is great. I can remain on the move while managing my finances. I have a small credit limit and it’s not automatically raised which means PayPal supports us in staying within our credit limits. Reviewed on: 27th May 2025

Secure payment and checkout

Customer service is great and payment through different websites is easy and I feel everything is secure and confident when checking out. Reviewed on: 27th May 2025

My experience has been excellent.

My experience has been excellent. They do what they say they do. No hidden terms and conditions. Everything is clear. I’ve had really really good customer service when I had an issue with a payment. I find the pay in 3 really convenient for more expensive purchases or when money is tight. I try and limit myself to 3 plans so I don’t get in a mess. Reviewed on: 27th May 2025

I have been using PayPal for years and have never ha...

I have been using PayPal for years and have never had an issues. The app is secure, efficient and very useful. Reviewed on: 27th May 2025

The only part of PayPal i dont like is the PayPal cr...

The only part of PayPal i dont like is the PayPal credit. The way the credit works, with the transactions expiring is all very confusing and should be made clear for people Reviewed on: 27th May 2025

Make the intrest free more that 4months

I think PayPal is a great service and secure… however I feel like if the service for PayPal credit was 0% intrest for more that 4 months that would be a much bigger help for people who wish to make bigger value purchases Reviewed on: 27th May 2025

It is just so simple and in a world where everything...

It is just so simple and in a world where everything on line is so long winded its quite refreshing! Reviewed on: 27th May 2025

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