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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)

Not one complaint or problem.

Not one complaint or problem. Very reasonable monthly payments which make it affordable for everyone. Reviewed on: 27th May 2025

Good products

Good products and reassuring customer focussed service Reviewed on: 27th May 2025

Easiest payment method available IMO, excellent secu...

Easiest payment method available IMO, excellent security methods and second to none when it comes to actually speaking to a human being for customer services. Not only do they give support when purchases do not go to plan, they ensure completion. You get what it says on the tin... Reviewed on: 27th May 2025

Good. Simple. Easy

Good. It's easy. Not difficult to use. Supers convenient for me. I won't lie. Reviewed on: 27th May 2025

Been using PayPal credit for years

Been using PayPal credit for years and never had a problem, it’s easy to make larger repayments too Reviewed on: 27th May 2025

Excellent experience, The best company in the world

I recently had a great experience using PayPal for an online purchase. I was shopping for a new laptop and found a seller on an e-commerce platform that accepted PayPal. The checkout process was seamless; I simply selected PayPal as my payment method, and it redirected me to my PayPal account. What impressed me the most was the security features. I didn't have to enter my credit card information directly on the seller's site, which made me feel much safer. After logging in, I confirmed the payment with just a couple of clicks, and within seconds, I received a notification confirming the transaction. PayPal’s buyer protection policy also gave me peace of mind. I knew that if anything went wrong with my order, I could file a dispute through PayPal. A few days later, the laptop arrived in perfect condition, just as described. Overall, the convenience, security, and customer protection that PayPal offers made my shopping experience enjoyable and stress-free. I’ll definitely continue using PayPal for my online transactions! Reviewed on: 27th May 2025

I feel safe with Paypal.

I feel safe with Paypal. I always choose to pay with Paypal Credit when I do a purchase. Reviewed on: 27th May 2025

My PayPal Credit Review

My experience with PayPal Credit has been generally positive. The application process was straightforward, and the instant access to credit was convenient for online purchases. I appreciate the promotional 0% interest offers, which can be helpful if managed responsibly. However, it’s important to stay on top of payments, as the standard interest rate is quite high once the promotional period ends. Overall, it’s a useful tool for short-term financing when used carefully. Reviewed on: 27th May 2025

Always best service abd being kept informed alway ha...

Always best service abd being kept informed alway had the best service from your staff very helpful and fully satisfied with the outcome the you Reviewed on: 27th May 2025

flexibility and ease of use.

flexibility and ease of use. Great communication and easy to manage. Reviewed on: 27th May 2025

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