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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)

Absolutely recommended s...

I if I have any problems they working very hard to sort it Reviewed on: 27th May 2025

Never had an issue.

Never had an issue.oustanding service.id well recommend to family and freinds.im greatly thankfully thankyou Reviewed on: 27th May 2025

Clear, easy to use, transparent charges

Clear, easy to use, transparent charges Reviewed on: 27th May 2025

Positive experience, only one small bit of criticism.

PayPal credit is easy to use and access, and the application process is also straightforward. Making your monthly payments is made easy as you have to option to use your PayPal balance, a debit/credit card or simply set up a direct debit. PayPal credit also offers 0% interest on purchases over £100 (if paid back in full by 4 months after purchase date) which I think is great as no one wants to spend more than they need to, especially in this day and age. If I have one piece of criticism, it would be that usually payments made towards your PayPal credit balance take days to clear, which can be quite frustrating for obvious reasons. Other than that my experience with PayPal credit has been positive overall. Reviewed on: 27th May 2025

Trustworthy PayPal

I trust PayPal and use it whenever possible for online purchases. It hasn’t failed me yet! With more sites giving the option to use PayPal it’s really made life easier. Reviewed on: 27th May 2025

Excellent credit provider - quick and easy to use.

Excellent credit provider - quick and easy to use. Reviewed on: 27th May 2025

Simple and easy to use.

Been with PayPal a looong time and use my account on a regular basis with buying online. Reviewed on: 27th May 2025

Reliable and Convenient Finance Partner

I’ve had a great experience using PayPal as a finance provider. It’s user-friendly, secure, and offers flexible payment options that make online transactions and budgeting much easier. Their support for “Pay in 3” and quick integration with e-commerce platforms makes them a dependable partner for both personal and business use. Highly recommended for anyone looking for a hassle-free digital finance solution. Reviewed on: 27th May 2025

I had a problem with an item I ordered but didn't wa...

I had a problem with an item I ordered but didn't want and they refunded me straight away. Reviewed on: 27th May 2025

have used paypal for many years, never had issues!

have used paypal for many years and never had issues with the service and user functionality has always been very intuitive. Reviewed on: 27th May 2025

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