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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)

Great Value

The credit provided me a backup option and the interest free saved me a lot as I had enough time to payback. Reviewed on: 26th May 2024

Mostly easy to use and transparent.

Mostly easy to use and transparent. Apart from a glitch (only on the mobile phone ) that always allocates the wrong currency when making payments TO PayPal credit. That couldn’t be fixed by the call centre. But I get around it. Reviewed on: 26th May 2024

Great service helps a lot

Great service it did helped me a few times , specially the 4 in 4 , is excellent for me . PayPal thank you Reviewed on: 26th May 2024

Easy to use

I have used PayPal credit facility for over 3 years. I have found it easy to access and manage. Reviewed on: 26th May 2024

Very good.

Very good. I’m so happy to use PayPal Reviewed on: 26th May 2024

Interest free borrowing option useful

I like PayPal because it allows you to easily borrow interest free. The annoying thing about it is that it takes up to a week for paypal transactions to show on online banking, even in pending transactions, so this can be confusing. Reviewed on: 26th May 2024

Great service and excellent service provider

Great service and excellent service provider Reviewed on: 26th May 2024

PayPal Credit is a convenient way to pay

PayPal Credit is so convenient when making purchases online. The PayPal app is great but if you need to discuss your account, they can be contacted easily on the phone. Reviewed on: 26th May 2024

PayPal a one stop solutionnce

PayPal is easy to user at merchant shops, especially for online shopping sites. PayPal credit also helps me to keep a track of my expenses, with regular updates from the PayPal support team upon usage etc. via statement helps to plan bert Reviewed on: 26th May 2024

Using PayPal credit always when shopping online for...

Using PayPal credit always when shopping online for bigger purchases, easy to use Reviewed on: 26th May 2024

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