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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)

Excellent

I am so happy with paypal credit Reviewed on: 11th May 2024

PayPal credit

Easy to use! Recommend to others looking for a flexible credit card Reviewed on: 11th May 2024

It is the best service I’ve used

It is the best service I’ve used Reviewed on: 11th May 2024

Great customer service

The customer service agents are always very helpful and friendly. Reviewed on: 11th May 2024

It's been convenient using PayPal credit so far.

It's been convenient using PayPal credit so far. I remember having to get a new bed frame and I was tight on budgeting was my first time using credit so I signed up for PayPal credit.I thought the authorisation and process was going to be difficult. I even gave up and scrapped the idea of getting my new bed.Howecer, in less than 39 minutes I was awarded the credit to get my bed. The repayment has been good so far. A very convenient financial decision I must say . Reviewed on: 11th May 2024

It’s been an amazing and awesome experience with Pay...

It’s been an amazing and awesome experience with PayPal Reviewed on: 11th May 2024

Easy to use, easy to manage so works perfectly for me!

Easy to use, easy to manage so works perfectly for me! Clear app set up, easy to find what you need and to get help when you need it. Customer service is great from my experience and always on hand to help! Reviewed on: 11th May 2024

I highly recommend Paypal

PayPal is easy to use and their app is easy to navigate. They are quick to respond to any issues I've had with payments and always keep me updated with progress on any cases filed. I liked that you can set up a direct debit. And have both a credit limit and a pay in 3 option on certain payments. Reviewed on: 11th May 2024

I have used PayPal for years...

I have used PayPal for years and PayPal Credit for a number of them. It's brilliant, both easy and safe to use. Any problems regarding transactions are assessed and sorted out within a reasonable time. So helpful! Reviewed on: 11th May 2024

Always everything is going smoth and easy, good cust...

Always everything is going smoth and easy, good customer service Reviewed on: 11th May 2024

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