Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50806 reviews)

View other PayPal products

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

Read all reviews See your review

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 good help to be honest, sometime you don't want to...

A good help to be honest, sometime you don't want to pay a big amount and spreading the payment for more months is great for buget. Reviewed on: 1st June 2025

The best consumer product ever, I rely on PayPal nev...

The best consumer product ever, I rely on PayPal never had a problem with them, so easy to use, reliable and feel safe using PayPal for payments and credit .. if ever in doubt about using this sure don’t be , it’s an excellent decision and you won’t regret it Reviewed on: 27th May 2025

Easy to use and I've never had any issues.

Easy to use and I've never had any issues. I had a few purchases which didn't work out and I needed to refund (because the sellers refused to/were making excuses) - PayPal customer service sorted that for me. Reviewed on: 27th May 2025

A brilliant way to pay and their customer service is...

A brilliant way to pay and their customer service is excellent Reviewed on: 27th May 2025

PayPal credit is a great way of financing a holiday...

PayPal credit is a great way of financing a holiday or any last minute loans on purchases you may not be able to afford at the current time. Reviewed on: 27th May 2025

Good service!

I have used Paypal credit a few times to spread the cost of larger purchases, and find it really simple, convenient and helpful. Customer service has also been responsive when I've needed to get in touch. Reviewed on: 27th May 2025

The best purchase options

Easy to make purchases and multiple payment options. Reviewed on: 27th May 2025

Excellent service and provider

Excellent service and provider, always kept updated with payments upcoming, or todate. A great option to spread costs for urgent or important purchases too. Reviewed on: 27th May 2025

Valued customer over a decade of fabulous service

PayPal are always so easy to contact great with resolving issues. Transfer of money is quick and simple and they should open a bank in my opinion! I use PayPal for everything for over a decade and never had any issues Reviewed on: 27th May 2025

Absolutely amazing

Absolutely amazing very good experience never had a problem Reviewed on: 27th May 2025

Secure and flexible ways to pay.

Use Paypal primarily online to allow secure transactions. Not only that but it does offer flexible payment methods including paying interest free over 3 months and credit option over a specific period. Use the interest free payment method frequently and Paypal is always keeping me up-to-date when my payments have been taken. Also they are proactive when informing me when any credit payment needs to be made to avoid default charges. Reviewed on: 27th May 2025

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Retail Finance
from Novuna Personal Finance 4.77 from 172 reviews
Retail Finance
from Close Brothers 2.53 from 12 reviews
Retail Finance
from V12 Retail Finance 4.71 from 25 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.93 from 22350 reviews
Payments
from PayPal 4.91 from 3600 reviews
Debit card
from PayPal 4.40 from 2 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub