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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

I like the flexibility of Paypal Credit 0% interest.

I like the flexibility of Paypal Credit 0% interest. I always repay before the higher rate kicks in, but like that I can set my rate of repayment, either equally over the 4 months or as a balloon payment at the end. Reviewed on: 27th May 2025

Very easy to use and manage expenses.

Very easy to use and manage expenses. Reviewed on: 27th May 2025

Never had any issue, always great with all experienc...

Never had any issue, always great with all experiences, clear with all info and reaponaive to enquiries. Feel assured when using them. Reviewed on: 27th May 2025

Never an issue.

Never an issue. Always handy to have Reviewed on: 27th May 2025

Name to trust is PayPal

Always helped when I have contacted customer service. I trust PayPal and it gives me a good way to pay and is flexible with pay in 3, direct payment and PayPal credit Reviewed on: 27th May 2025

Very useful

Never had any issues, always works well. Paypal credit is great, especially for purchases which are interest free and able to be paid over 2 years. It's also great for other purchases you want to spread over time. I also like how when you pay more than the minimum per month it focuses on the purchases you need to pay sooner to avoid interest. Reviewed on: 27th May 2025

I have never had any issues and every transaction ha...

I have never had any issues and every transaction has ran so smoothly, Reviewed on: 27th May 2025

PayPal what's not to love

Easy, user friendly and safe platform, offering good payment options, pay in 3 is great if you're on a budget and you get reminders when payment is due and access to an easy understandable portal to keep track of your transactions. PayPal credit offers excellent terms and ease of use too. Friends Family transactions couldn't be simpler Reviewed on: 27th May 2025

PayPal credit is useful and easy to use

I've used Paypal credit for purchases online, and have found that by doing so I've been able to save money over using a conventional credit card. PayPal credit often has offers, and regularly offer me the pay in 3 service, meaning I can spread the cost with no interest added. This is a valuable tool for online shopping. Reviewed on: 27th May 2025

Always Positive

I’ve always had a great experience using PayPal, whether it’s paying a friend, pay in 3 or PayPal credit. They are very transparent, never any “hidden” charges, rates etc. and they keep you updated with upcoming payments, changes etc. I feel safe & secure using them. Reviewed on: 27th May 2025

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