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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.

PayPal PayPal Credit reviews (50806)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

Very positive on the whole although the APR for Pay...

Very positive on the whole although the APR for Pay PayPal Credit is a little too high for my liking Reviewed on: 27th May 2025

Trustworthy.

Trustworthy- If I purchase online and they do not offer PayPal I do not buy! Reviewed on: 27th May 2025

all great with pay pal never had any problems

all great with pay pal never had any problems Reviewed on: 27th May 2025

Great options for PayPal credit or buy now pay later...

Great options for PayPal credit or buy now pay later makes it more accessible to all budgets Reviewed on: 27th May 2025

PayPal credit made my life easier!

PayPal credit made me access easily purchases that I would have otherwise rescheduled. Steps were easy to follow and I always felt safe while applying. Reviewed on: 27th May 2025

Plenty if alerts to warn you when payments approaching.

Plenty if alerts to warn you when payments approaching. Reviewed on: 27th May 2025

After many years of use: PayPal Credit

Fast, safe, cheap and fair. Thanks PayPal. Five stars. King regards, A. B. Reviewed on: 27th May 2025

I have been using Paypal for more than 15 years and...

I have been using Paypal for more than 15 years and it has been great help when purchasing. Reviewed on: 27th May 2025

Pay pal is great.

Pay pal is great. They go above and beyond Reviewed on: 27th May 2025

PayPal Credit review

I have been using PayPal Credit for a few years now, and I'm really impressed by the convenience and flexibility it provides. The application process is quick and straightforward, and I am pleased with how swiftly credit is approved and ready for use. Making purchases is effortless, and the interest-free periods offered on certain transactions have been extremely beneficial. One minor improvement I'd love to see is a slightly more intuitive and streamlined dashboard. While it's functional, enhancing its layout and usability would make managing payments and tracking balances even smoother. Overall, I'm very satisfied with PayPal Credit and wouldn't hesitate to recommend it to my friends and family! Reviewed on: 27th May 2025

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