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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)

perfect for when you need something before payday, a...

perfect for when you need something before payday, accepted in a lot of places and easy to use. Reviewed on: 27th May 2025

Customer service representatives are very friendly a...

Customer service representatives are very friendly and helpful. I don’t feel like I’m talking to someone reading from a script, (even if they are, they sound human and express empathy when talking to you. Reviewed on: 27th May 2025

Recommend

Application easy to use. Decision made in minutes. Ability to pay later ( pay in 3 ). Good communication. Reviewed on: 27th May 2025

It’s ok, doesn’t send reminders tho and no bonus lik...

It’s ok, doesn’t send reminders tho and no bonus like my other credit cards Reviewed on: 27th May 2025

Brilliant

Very useful feature of Paypal, and it is easy to navigate the Paypal Credit part on both the website and app. Thank you. Reviewed on: 27th May 2025

Always good customer service

Always good customer service, never any problems. Reviewed on: 27th May 2025

Flexible payment options

Flexible payment options... reasonable credit and repayment plans. For example. On my impromptu Laptop purchase i could spread that particular payment over 12 months yet still have other purchase stay on the 4 months payments plan. Reviewed on: 27th May 2025

Easy to use and always efficient

Easy to use and always efficient Reviewed on: 27th May 2025

Easy to use and flexible payment options.

Easy to use and flexible payment options. Reviewed on: 27th May 2025

Lots of options for credit

I love that theres always options of ways to pay, paypal credit, pay in 3 and reminders along the way about repayments Reviewed on: 27th May 2025

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