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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)

Didn't take money from my account as scheduled

They didn't take money from my account as scheduled which ultimately effected my credit score Reviewed on: 1st August 2022

Definitly 5 stars

With the unique option to pay zero interest if paid in full within 4 months it is absolutely brilliant. I used this service many times and am very pleased with it. Highly recommend! Reviewed on: 1st August 2022

Easy to use

I like to have everything all in one place, and PayPal offers that Reviewed on: 1st August 2022

Simple & easy

PayPal credit is simple and easy with no hidden charges. The website is easy to navigate and easy to keep track of spending. Reviewed on: 1st August 2022

Safe, Simple and Secure

Transactions are very quick and seamless, very easy to navigate the site and help is always on hand. Disputes (if you have any) are dealt with quickly and fairly - I have been using Paypal for nearly 20 years and never had an issue or problem. Reviewed on: 1st August 2022

Great service

Flexible credit options, with no extra cost, if you plan your budget right. Reviewed on: 1st August 2022

Great product, great service

Paypal credit is great. Easy to use and track your account. Reviewed on: 1st August 2022

So convenient !!

Very happy with the 0% for 4 month offer for every purchase over £100. Has helped us buy stuff for our new house with enough time to pay it all back in 4 months without any interest charge. Reviewed on: 1st August 2022

Paypal credit review

I have always found paypal credit an absolutely easy option to use and the approval process is quite prompt. There is also an added sense of security that if anything goes wrong, your money is protected. Reviewed on: 1st August 2022

Credit card

I have very good experience, with my credit card. Reviewed on: 1st August 2022

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