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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)

Handy pay in 3 option, always reliable

Handy pay in 3 option, always reliable Reviewed on: 27th May 2025

Excellent ways to pay with PayPal

Excellent ways to pay with PayPal Reviewed on: 27th May 2025

I have never had to use customer service

I have never had to use customer service Reviewed on: 27th May 2025

brilliant way to spread purchases costs

Being using PayPal Credit for year now and find quite useful Reviewed on: 27th May 2025

I needed to replace some items around the house and...

I needed to replace some items around the house and my phone had broken. I was able to take out PayPal credit at 0% on the items I needed and know there is an end date to paying it all off. I also made an additional payment to get one item payed off and got confused over the credit. I called and spoke to someone and they were able to explain and help me sort things out. I would highly recommend Reviewed on: 27th May 2025

I've used it for a couple of things and it's really...

I've used it for a couple of things and it's really handy to pay in 3 or just in 4 months without interest. Really helps for emergency expenses. I definitely do recommend it and will always avail it when available. Reviewed on: 27th May 2025

Easy and quicj

Easy and straight forward, always quick to access Reviewed on: 27th May 2025

Very easy to use and pay for things.

Very easy to use and pay for things. The pay in 4 months free feature is great and then having the option of how long YOU want to pay over is excellent plus the interest rates and very competitive. Reviewed on: 27th May 2025

Paypal credit is very easy to get and fast.

Paypal credit is very easy to get and fast. You don't have to fill in a complicated form and it feels non-judgemental. I have used it on several occasions, and it is my preferred way of buying on credit. I don't have any negatives to say, other than that on the whole, I try not to overuse credit, and only ever use it for essentials. Reviewed on: 27th May 2025

good experience will recommend

good. nothing to complain does what the service advertises Reviewed on: 27th May 2025

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