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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)

Amazing, Easy to use

PayPal credit is easy to use. It gives you a clear breakdown of how much credit you have left and the amount you need to pay off. One thing I love about PayPal credit is that it breaks down the amount you have left to pay off for each shop. With the ability to set up a direct debt and frequent reminders it's nearly impossible to forget repayments. Reviewed on: 1st August 2022

Convenient

I have been using Paypal Credit for a while now, and have a only positive feedback. It's very convenient, easy and straightforward. Reviewed on: 1st August 2022

The best

Great customer service, always use paypal credit Reviewed on: 31st July 2022

Quick & Easy

PayPal credit is so quick and easy to use and great that you can spread the cost of things especially in these hard times well done PayPal Reviewed on: 31st July 2022

Hassle free provider

I find Paypal credit, easy and hassle-free for those times when I you need to use credit for larger purchases. Reviewed on: 31st July 2022

Great to Have

Great to have as a back up and the 3 month interest free is ideal for the more expensive items. Reviewed on: 31st July 2022

Easiest way to pay for almost everything online

I have used Paypal for years, the introduction of Paypal Credit has allowed even more flexibility and affordability. Reviewed on: 31st July 2022

More than happy with the Pay Pal Credit

Happy with this product and i will recommend to everyone Reviewed on: 31st July 2022

Straight forward reliable credit which is easy to repay

I find paypal credit to be really quite helpful when it comes to one off purchases, i recently purchased a new mountain bike for traveling to work, and the interest free repayment ( within four months) was super helpful :) Reviewed on: 31st July 2022

flexibility best

Paypal is a global company that gives me a lot of options to use and gives a really good product with different choices to pay Reviewed on: 31st July 2022

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