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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50809 reviews)

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4.91

Based on 50,809 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 (50809)

better than expected

the customer service delay is an issue as sometimes the payment method and procedure seems complicated but once an agent is able to help it is solved. Reviewed on: 12th May 2024

I've not really had any bad experiences whilst usin...

I've not really had any bad experiences whilst using PayPal credit. Reviewed on: 12th May 2024

Very easy to open and excellent app.

Very easy to open and excellent app. Plus easy to setup payments Reviewed on: 12th May 2024

Quick and efficiant process, ita certainly helped us...

Quick and efficiant process, ita certainly helped us out during these unforgiven times of high energy bills Reviewed on: 12th May 2024

Good service

Good service, easy to use and can connect other accounts to your PayPal. Everything is in the same place and you have the choice at checkouts to use your card or your credit. Reviewed on: 12th May 2024

I use it from time to time.

I use it from time to time. It’s really good and allows me to buy essentials Reviewed on: 12th May 2024

It’s always Safe, very flexible, easy and fast to us...

It’s always Safe, very flexible, easy and fast to use via the app. Never any dramas makes online purchases a breeze Reviewed on: 12th May 2024

All good, no bad experience so far

All good, no bad experience so far Reviewed on: 12th May 2024

PayPal is great value

PayPal in 3 is great, it allows you to pay for unexpected things right now. I've used it for last minute flights and a holiday. I also sell handmade goods and it's so easy for purchases to be paid for. Then I can spend the balance or save it for something else. So easy, all you have to do is let the purchaser know your email address. Reviewed on: 12th May 2024

4 months interest free is amazing

The 4 months interest free has helped me with saving and paying for things without costing extra. The reminders of payments being due and the ability to set up automatic payments mean that I never incurred any interest charges. Reviewed on: 12th May 2024

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