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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)

User friendly peace of mind

Easy to follow transaction process and competitive rates for late payments, going over balance Reviewed on: 27th May 2025

I have used PayPal for every purchase that allows it.

I have used PayPal for every purchase that allows it. I feel happy in the knowledge that my information is safe and if I run into trouble PayPal will assist me in every way. Reviewed on: 27th May 2025

Very happy

Never had a problem and frequently use, great service and value Reviewed on: 27th May 2025

Which transaction will be paid off when you pay

Good for keeping you informed, would be good to have a little bit more clarity on which purchase should be paid off, or will be paid off. I presume it's the oldest transaction first? Reviewed on: 27th May 2025

PayPal my go to finance app.

PayPal has always been. Y go to platform for finance. Fast, easy to use, secure and easy to track and stop payments. If you need to call them, the staff are always friendly and extremely helpful. Reviewed on: 27th May 2025

It's so easy to use

It's so easy to use. I know it's always there as an interest free option for spends over £100. I can order things and see them before having to commit to paying for them. All without having to worry about when promotional periods run out - it's always there! Reviewed on: 27th May 2025

Money transfers made easy

Secure and easy to use, no problems Reviewed on: 27th May 2025

Incredibly easy to use and monitor

Incredibly easy to use and monitor Reviewed on: 27th May 2025

Easy finance

First turn acquiring credit for a big purchase and it was super simple! No issues since setting it up and you get emails each month before the amount is deducted via direct debit so you can ensure you have the funds. Reviewed on: 27th May 2025

Spread the cost

4 months interest free on any items I buy that's a little on expensive side, no brainer spreading the cost over a big lump going out the bank Reviewed on: 27th May 2025

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