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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)

Good option for paying for holidays

Good option for paying for holidays Reviewed on: 26th May 2024

It allows me to select ways to borrow money to sprea...

It allows me to select ways to borrow money to spread out bigger purchases in a manageable way. I can also pay off any of my purchases early with no penalties which is nice to have. I love the peace of mind that this gives me. Reviewed on: 26th May 2024

Brilliant to have freedom of credit

Brilliant to have freedom of credit Reviewed on: 26th May 2024

Happy to use anytime

Great and very useful app. I wish more companies accepted paypal Reviewed on: 26th May 2024

PayPal credit is simple to us, convenient and well d...

PayPal credit is simple to us, convenient and well delivered Reviewed on: 26th May 2024

Paypal credit has really helped us out a lot and we...

Paypal credit has really helped us out a lot and we are able to use it in most places. Reviewed on: 26th May 2024

Great experience from start to finsh

Great experience from start to finsh Reviewed on: 26th May 2024

Very convenient and easy to use.

Very convenient and easy to use. Connected to your wallet so it’s even easier. Good rates. Reviewed on: 26th May 2024

Helpful and Convenient

I’ve been using paypal from 3 years and its so helpful and paypal credit is interest free for 4 months Reviewed on: 26th May 2024

Paypal Credit Is Great !

Having use paypal credit, i have found i have been able to gain credit score, get more exercise as i bought a bike through paypal credit and been able to save my self in the months i have needed help. Reviewed on: 26th May 2024

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