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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)

I love PayPal because there so helpful

I love PayPal because there so helpful Reviewed on: 12th May 2024

PayPal just works.........

PayPal just works as intended and customer service is always friendly yet professional. Reviewed on: 12th May 2024

Better than mainstream banks!

Easy to use to pay across multiple sites online. Easy to make payments and use the app. Prefer using this to mainstream bank credit cards Reviewed on: 12th May 2024

Been using PayPal since the start never had a proble...

Been using PayPal since the start never had a problem with PayPal would be good if you offered interest on balances I would probably hold cash on balance then Reviewed on: 12th May 2024

Safe and secure

I have found using PayPal Credit very easy to use. I trust that PayPal is a safe and secure way to pay especially when making purchases online. Reviewed on: 12th May 2024

A good and flexible form of payment.

A good and flexible form of payment. Basically, PayPal is accepted in the majority of shops. Reviewed on: 12th May 2024

Longtime user of PayPal Credit

Have been a long time user of PayPal Credit, I love the offers of paying for items across 3 or 4 months and it’s incredibly easy to use online across so many different companies and vendors. I use it a lot with Booking. com to book hotels. What I like the most is the protection PayPal offer, it’s easy to query a payment and customer service is good. Reviewed on: 12th May 2024

Easy lending provider

No real issues with PayPal credit have used it to purchase larger value items that I needed for my home. Fast and efficient lender with good terms. Reviewed on: 12th May 2024

Good customer service when the buyer has difficulty...

Good customer service when the buyer has difficulty with something they have bought and need help getting issues resolved. Reviewed on: 12th May 2024

Paypal is great

I've used Paypal for a very long time & love how easy & versatile it is to use.I pay for alot of my subscriptions & for big purchases through it whilst spreading my payments out interest free. Reviewed on: 12th May 2024

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