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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:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

Safe and secure transactions!

I always feel my payments are secure when I pay using PayPal. Also the 3 monthly instalments and the 4 months interest free credit has really helped me on several occasions when I have needed to buy higher priced items and I’ve not had a great wage that month. It’s simple to pay back using the app and the reminders come in plenty of time. I’ve also used it to send and receive money to friends and family. It’s better than any credit card! Reviewed on: 27th May 2025

Never had an issue, very well ran

Never had an issue, very well ran Reviewed on: 27th May 2025

Great for all use of paying online and feels nice an...

Great for all use of paying online and feels nice and secure.the only disappointment I had was having my credit limit reduced to a level that limits a lot of use. Especially if I want the added protection pay pal offers. Reviewed on: 27th May 2025

Nice functionality and easy to use

Nice functionality and easy to use Reviewed on: 27th May 2025

it's excellent, good service at a decent price

it's excellent, good service at a decent price Reviewed on: 27th May 2025

Paypal Credit has greatly helped me manage my finance.

Paypal Credit has greatly helped me manage my finance. I have recommended this to all my friends and family. Reviewed on: 27th May 2025

Always supportive :)

Always supportive when needed in times of trouble Reviewed on: 27th May 2025

I’m not at all tech savvy but I can do this!

I’m not at all “tech savvy” but PayPal is so simple that I can easily find what I need on the app ( yes I have even added the app to my phone! PayPal Credit is simple too and I have set up a direct debit payment so that I will never miss a payment. Reviewed on: 27th May 2025

Love Paypal and Paypal credit

Paypal is just great and spreading the cost of something over a few months is great Reviewed on: 27th May 2025

My trustful money manager.

I have been using PAYPAL for nearly 7 years. The installment payment methods in 3 & 4 parts did help me saving good amount of money and manage my funds. I strongly recommend Paypal compared to any saving, points and discount credit card. Reviewed on: 27th May 2025

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