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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.

PayPal PayPal Credit reviews (50806)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Highly recommended

Highly recommended, I can spend safely and they take care of my money, when buy from new sellers I always use paypal Reviewed on: 27th May 2025

Impressed by service

Excellent credit option either by PayPal in 3 or PayPal credit helps spread the cost of purchases Reviewed on: 27th May 2025

It’s been fair, haven’t had any issues, always pay o...

It’s been fair, haven’t had any issues, always pay on time. Given a good amount of time to pay off before gaining interest charges Reviewed on: 27th May 2025

Great for large purchases.

Great for large purchases. Good to be able to spread purchases interest free and easy to manage in the app Reviewed on: 27th May 2025

Instant attention.

Instant attention. Keeps me informed and up to date and really keeps me on track with my account. Reviewed on: 27th May 2025

Pay in 3 or 4 months zero interest

I like that besides the credit offered for purchases PayPal offered also pay in three and 0% interest for 4 months as well. Also, many service providers accepted PayPal as a method of payment. Reviewed on: 27th May 2025

I use PayPal Credit when I buy items online as it’s...

I use PayPal Credit when I buy items online as it’s safer and am very happy with the service, sometimes when something with the item is wrong and need to be refunded everything goes quickly sorted. Reviewed on: 27th May 2025

Since using PayPal I've never been more secure.

Since using PayPal I've never been more secure with transactions and being reassured for protection against fraud and reimbursement for purchases that aren't up to the correct details/damaged or simply not as described., using PayPal is simple, quick and easy for anyone and highly reccomend for anyone using online purchases., plus they give you a credit allowance which is nicely divided by a selection you choose with no interest fee depending on how quick you pay it back but it is manageable and handy. Reviewed on: 27th May 2025

Simple and easy.

Simple and easy. Suits our purchases Reviewed on: 27th May 2025

It’s generally been good and is competitive compared...

It’s generally been good and is competitive compared to borrowing else where Reviewed on: 27th May 2025

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