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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)

Easy and fast to use .

Easy and fast to use . Really re reliable Reviewed on: 27th May 2025

Been using PayPal for years

Been using PayPal for years and they are always there to help. Any issues are swiftly dealt with with great communication Keep up the great work I for one will certainly be using PayPal for years to come. Reviewed on: 27th May 2025

Its been a 10 years journey, I started of using PAYP...

Its been a 10 years journey, I started of using PAYPAL to pay for goods online eg AliExpress, BA, Boots, John Lewis etc through my Debit card, as I was concerned about safety and online theft. After a while I starting getting invitations from PayPal to take on PayPal credit. AT first I was a bit hesitant because I was concerned about the APR % rate, I shopped around and discovered that PAYPAL's APR % was competitive. PAYPAL has two wonderful offers: Buy something now and pay for it later in 6 months without paying Interest or Buy something and pay for it in 3 instalments. I always go with the first option offer and try and pay off everything before the 6 months is due so as not to get myself into too much debt. I would recommend PayPal to my family and friends, it is safe and its interest rates are very competitive. It can be use to pay for goods ONLINE and OFFLINE in the stores Reviewed on: 27th May 2025

Great flexible payment options

Provides flexible payment options which is great for spreading out the cost of high value purchases Reviewed on: 27th May 2025

Excellent online service and telephone service

Excellent online service and over the telephone solved my direct debit issue most effectively Reviewed on: 27th May 2025

Precise prompt professional secure

Precise prompt professional secure Reviewed on: 27th May 2025

Good company

Pretty good for finance payments. Reviewed on: 27th May 2025

Fast and reliable.

Fast and reliable.customer service Reviewed on: 27th May 2025

Nice and easy.

Nice and easy. I had an interest free coverage to make a purchase spread over a few months. That meant I could have a little more money in my bank account instead of being a little short that month. Reviewed on: 27th May 2025

Thanks PayPal

Glad I joined PayPal they have been so helpful to me over the last 10 years or so. I use all the facilities pay in three 4 moth free credit and the odd occasion there full credit. So a 10 out of 10 from me Reviewed on: 27th May 2025

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