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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)

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

Reliable and Secure Payment Option for Years

I’ve been using PayPal for several years and have found it incredibly reliable and secure for online purchases. It’s been a smooth experience with no issues at all. Reviewed on: 27th May 2025

PayPal is changing the way we transact nowadays.

PayPal is changing the way we transact nowadays. Their Buy now and Pay later is life saver for many of us. They are best placed for the award and well deserved. They should now introduce a credit card equivalent system as paying on the stores is still a problem with PayPal. Reviewed on: 27th May 2025

Great choice for payments online

Very trustworthy and easy to use when making payments, you have the choice of 4 months interest free credit which is really useful Reviewed on: 27th May 2025

The team are always so friendly and understanding -...

The team are always so friendly and understanding - very helpful no matter the situation or question. I always feel very reassured by them Reviewed on: 27th May 2025

PayPal Credit

I've had a good experience with PayPal Credit so far, everything is running smoothly. I've not really had to contact PayPal Credit about anything since taking it out, as my credit account with them has been straightforward and user friendly. I'd recommend. Reviewed on: 27th May 2025

It's very easy to pay and I love, that there is an o...

It's very easy to pay and I love, that there is an option for credit and you don't have to pay intrest. Reviewed on: 27th May 2025

It's fine, however some improvements need to be made

Previously my PalPal credit account was showing all credits taken and when each credit need to be repaid and how much is left to repay. Now is only showing oldest one. Reviewed on: 27th May 2025

Been with them for year's, and very happy

Been with them for year's, and very happy Reviewed on: 27th May 2025

Love paypal

Easy to use and pay for many things on different sites and with payment insurance Reviewed on: 27th May 2025

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