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PayPal: PayPal Credit reviews

View other PayPal products
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
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
Gabriela O's avatar
Gabriela O

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
Lui R's avatar
Lui R
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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)

Flexibility

5
Best in class, always sweet offers, great service. Reviewed on: 28th July 2022
vit kap's avatar
vit kap

Amazing!

5
Such a great experience using PayPal, it makes purchases so much easier and also love the fact that you can pay in 3 instalments. Reviewed on: 28th July 2022
Michelle Najera's avatar
Michelle Najera

Excellent!!!

5
Using PayPal credit to book my wife and I a BabyMoon trip was so helpful and useful, especially with the 4 months 0% interest help me spread the cost and make it the best trip possible! Thank you PayPal Reviewed on: 28th July 2022
Nomz's avatar
Nomz

Simple and easy credit options

5
Really easy to use and it's great that so many places now accept paypal as a payment option. Nice easy portal to review transactions and make payments. Reviewed on: 28th July 2022
Ben's avatar
Ben

PayPal credit is great

5
It's easy to use, ensures secure payments and provides protection for customers. Reviewed on: 28th July 2022
Kelly's avatar
Kelly

works well

5
works well never had any issues at all Reviewed on: 28th July 2022
Richell Lever's avatar
Richell Lever

Amazing!

5
Very easy access, user-friendly menu, fast and reliable system. I hope they continue to develop well in the future Reviewed on: 28th July 2022
Dobri Tsekov's avatar
Dobri Tsekov

Fantastic service

5
Fantastic service, easy to use . Reviewed on: 28th July 2022
Tez Palmer's avatar
Tez Palmer

Excellent for online purchases

5
I have other credit cards but the fact that PayPal allow interest free if I pay off before a certain date really adds flexibility that other lenders don't give. Reviewed on: 28th July 2022
Damon Black's avatar
Damon Black

Paypal Credit

5
Pre approved and no fuss. Easy to apply at check out. Reviewed on: 25th July 2022
Saeed Naderi-Dehkordi's avatar
Saeed Naderi-Dehkordi

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