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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 is brilliant way to buy and pay

Paying for the items I needed to buy to be able to redecorate my bedroom. This hasn't been done for nearly 30 years. It was easy. Convenient. With the app it means I can have control of the payment. Reviewed on: 26th May 2024

I use PayPal because it makes financial sense

Have been using PayPal for years and started using PayPal credit a year and half ago after being excepted as I wanted a new oven easy to apply set up and follow account with app and control direct debits or direct payments reasonable interest rates and free from interest if payed within four weeks excellent service would highly recommend above other lenders can use online with all stores and only have to deal with PayPal instead of store companies or their creditors. Reviewed on: 26th May 2024

Excellent experience while taking credit

Excellent experience while taking credit Reviewed on: 26th May 2024

It’s great!

Really easy to use. Th app makes managing your credit a breeze! Reviewed on: 26th May 2024

PayPal is a safe and secure payment service

PayPal is a great service which I find safe and secure when making payments. I use PayPal for most of my purchases and with pay in three, it’s a great way to afford items I require. I would recommend PayPal to all my friends & Family. Reviewed on: 26th May 2024

In this day and age with the price of living being s...

In this day and age with the price of living being so high and waged being so low I've unfortunately found myself using credit more and more. I started with a standard credit card from my bank, which I always promptly paid off, but I noticed PayPal credit being offered on an ebay purchase with 4 months interest free and I haven't looked back. It's so easy to keep track of your purchases, installments, and make payments. There's even some websites that offer up to 2 years interest free through PayPal credit on more expensive purchases. I can't imagine how much I've saved over the past few years in interest thanks to PayPal credit. Between that and pay in 3 I really don't find myself using my conventional credit card anymore. Thanks PayPal! Reviewed on: 26th May 2024

Easy transactions and good security

Easy transactions and good security Reviewed on: 26th May 2024

Invaluable service .

I have found Paypal credit invaluable , I know I can trust paypal and feel that my banking details and money are secure . Being able to repay any amount over the minimum payment is great when you want to clear your credit balance quickly . Reviewed on: 26th May 2024

Great review

Brilliant service they just don’t know is it over four months Reviewed on: 26th May 2024

Just Amazing

It’s reliable , you can do 4 instalments 0% APR Reviewed on: 26th May 2024

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