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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)

Convenient but Use With Caution

PayPal Credit is a digital line of credit that offers a flexible way to finance purchases online—especially useful for larger buys or emergency expenses. With promotional offers like "No Interest if paid in full in 6 months" on purchases over $99, it can be a smart choice if you’re disciplined about repayment. What’s Great: Easy to use if you already have a PayPal account. Instant approval and seamless checkout experience. The 6-month no-interest offer is helpful when used responsibly. Works at millions of online retailers that accept PayPal. Things to Watch Out For: High APR (around 27% variable) after promotional period ends. Missed payments can quickly lead to interest charges and hurt your credit. Limited to online or PayPal-supported purchases—not usable in most physical stores. No rewards or cash-back compared to some credit cards. Bottom Line: PayPal Credit is a convenient financing option for online shoppers who can pay on time and take advantage of the 0% promo window. But it's not a substitute for a low-interest credit card if you tend to carry a balance. Treat it like a short-term loan, not a long-term solution. Reviewed on: 27th May 2025

Service is very Excellent especially interest free...

Service is very Excellent especially interest free instalment payment. Reviewed on: 27th May 2025

Excellent product

Had pay pal credit for over 12 months and it's amazing. Easy to use and navigate and I've linked my curve card which gives me longer to pay back on certain transactions Reviewed on: 27th May 2025

Never had any problems with PayPal.

Never had any problems with PayPal. Whenever I need to pay for something and don't have the monies I can always know I can fall on PayPal. Reviewed on: 27th May 2025

Paypal has been really swift and great at resolving...

Paypal has been really swift and great at resolving any issues instantly. I recently started remote work internationally and I get paid via paypal. The instant bank transfer option is amazing. Reviewed on: 27th May 2025

PayPal is a game changer!

PayPal is a game changer! Love it. Reviewed on: 27th May 2025

I found it easy to use and I feel safe with PayPal s...

I found it easy to use and I feel safe with PayPal service Reviewed on: 27th May 2025

No problem No hassle easy to use

No problem No hassle easy to use Reviewed on: 27th May 2025

PayPal credits makes life so much easier!

I love the flexibility of being able to pay for the things I want and need with either pay in 3 to spread out the costs of interest free payments for 4 months. Reviewed on: 27th May 2025

Easy to use and really reasonable terms.

It's really easy and sits at the perfect center point between duration of loan and cap. That said the only thing letting it down is being unavailable as a Google wallet payment method to overcome restrictions with the likes of Amazon. Reviewed on: 27th May 2025

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