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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 credit gives a longer time frame to. pay

Using PayPal credit gives me a longer time frame to pay for larger items. This would mean that if the terms of payment are received by them on time, there is no interest added. Reviewed on: 27th May 2025

Financial Confidence

Provide me confidence in my financial transactions. Great interest free options to pay for products where I need want to use that facility. Reviewed on: 27th May 2025

Credit to buy a shed

I needed a new shed and the one I saw had a deal of no interest when paid on PayPal credit over a year. I filled out all the information and got an answer back very quickly. I’m happy to say I got the new shed. Thanks so much PayPal Reviewed on: 27th May 2025

Excellent service

Came in very useful for fish tank parts when they died. Application process quick and straightforward Reviewed on: 27th May 2025

Handy to have when needed, 0% for 4 months is ideal...

Handy to have when needed, 0% for 4 months is ideal for large purchases that can be broken down and paid off quickly. Reviewed on: 27th May 2025

Pay in 3 and no interest for 4 months is great but t...

Pay in 3 and no interest for 4 months is great but the interest rate is high Reviewed on: 27th May 2025

PayPal my go to interest free credit account!

Everything runs smoothly it’s all made clear with emails. Impressed with the 3 payment system no interest unless you default. I like the 4 month interest free option again you need to make sure you pay in full before the finish date which is clearly noted in your monthly account. Thank you pay pal! Reviewed on: 27th May 2025

Best service when it comes to ease of use, quick tur...

Best service when it comes to ease of use, quick turnaround for credit approval and money management. Reviewed on: 27th May 2025

Great payment platform

Good APR rates, payment transfer options. User friendly website. Freedom to pay in most retailers and through apps. Overall, happy with the service. Reviewed on: 27th May 2025

Just an incredibly easy and functional app

Just an incredibly easy and functional app Reviewed on: 27th May 2025

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