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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)

I love using PayPal Credit, it allows me to afford e...

I love using PayPal Credit, it allows me to afford extra purchases while paying it back at an affordable rate. I use it for clothes purchases that I am likely to need to return most of, so that the money never has to leave my account. Reviewed on: 27th May 2025

PayPal is great.

PayPal makes my life easier when am in need of paying for most of my needs, and I don’t have money. It will be very nice to cover wide range of shops to accept PayPal. Reviewed on: 27th May 2025

Very helpful credit app for shopping!

Very helpful credit app for shopping! Reviewed on: 27th May 2025

Helpful and understanding customer services team if...

Helpful and understanding customer services team if you ever need help. Reviewed on: 27th May 2025

Great service!

The PayPal app is really easy to use and the credit terms are really transparent. This trumps all other credit i have used. Will definitely carry on using PayPal as it gives a great safety net on goods purchased. Reviewed on: 27th May 2025

I love your Pay in three, I now book my holidays tha...

I love your Pay in three, I now book my holidays that way and if I am tight on money then I use it for general shopping. I also like that if I get ripped off then I am guaranteed to get my money back. Reviewed on: 27th May 2025

Very easy to use

Very easy to use and flexible with repayment terms. The zero percent option over 3 months was the deal breaker for me. Wouldn’t hesitate to recommend Reviewed on: 27th May 2025

faultless

They have been faultless in all the years that I have been a customer of their’s. Reviewed on: 27th May 2025

Very straightforward and the comfort of knowing purc...

Very straightforward and the comfort of knowing purchases are safe and secure Reviewed on: 27th May 2025

PayPal Perfection

I use PayPal very frequently. I take advantage of the PayPal credit facilities too. Have only ever had to put 1 complaint forward regarding an online purchase. This was resolved extremely satisfactorily. Reviewed on: 27th May 2025

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