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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)

It has been a wonderful experience for me with PayPa...

It has been a wonderful experience for me with PayPal credit. Reviewed on: 12th May 2024

Excellent when I need to use credit

Excellent when I need to use credit Reviewed on: 12th May 2024

Great payment choice

I always use paypal very good to spread payments. Wouldn't be without it and very secure. Reviewed on: 12th May 2024

Scam refund

I had a scam once and PayPal were quick isnd refunded the money so I feel secure with them. All transactions are quick and easy to complete. Reviewed on: 12th May 2024

Overall no issues.

Overall no issues. A little confusing when repaying the credit… by that I mean it doesn’t allow you to chose which credit you’d like to pay off first. Say I buy a car part for £250. And a few months later I buy another for £100. Rather than allowing me to chose to pay off the £250 off first it takes it out of the overall lump sum. Reviewed on: 12th May 2024

PayPal are always reliable and it’s very convenient...

PayPal are always reliable and it’s very convenient to check out with. They are my favourite lending platform. Reviewed on: 12th May 2024

Unauthorised payments

I think we should be notified of any changes for the new payment to the account like Adblock not been authorised by myself and you have paid them £9.95 Reviewed on: 12th May 2024

When problem sorted fast and easy to use

When problem sorted fast and easy to use Reviewed on: 12th May 2024

PayPal credit gives me the flexibility to spread my...

PayPal credit gives me the flexibility to spread my purchases over an extended period helping me budget for both small and large purchases. The dashboard is clear and let's me know when I will start paying interest and how I can avoid that if I wish. Reviewed on: 12th May 2024

Incredible always

Incredible always. Simply to use it Reviewed on: 12th May 2024

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