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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)

No pressure to pay back asap

No interest for 4 months, I pay how much and when I want and great when I need to buy something but running low on my main account. Reviewed on: 14th July 2022

FANTASTIC LENDER

PAYPAL (CREDIT) IS A FANTASTIC LENDER. EXCELLENT LENDING SERVICES GUARANTEED AND PROVIDED - ALL PURCHASES AND SPENDINGS MADE ARE VERY EASY, SUCCESSFUL AND APPROVED!!! PAYPAL CREDIT HAS POSITIVELY EXCEEDED ALL EXPECTATIONS AND IS EXTREMELY HELPFUL IN DIFFICULT CIRCUMSTANCES. PAYPAL (CREDIT) EXCEPTIONALLY ENSURES ON-TIME AND CONSTANT COMMUNICATIONS AND INFORMATION ABOUT ALL PURCHASES, SPENDINGS, PAYMENTS AND EXISTING STATUS. NO FLAWS AND PROBLEMS EXPERIENCED IN PAYMENTS MADE FOR PURCHASES AND SERVICES PROVIDED!!! THANK YOU VERY MUCH PAYPAL (CREDIT). Reviewed on: 14th July 2022

easy to use

have used paypal credit a few times when really needed, it was easy to use and pay back monthly as you wish. Reviewed on: 14th July 2022

Great help during covid times

I used PayPal credit during covid times , it was great also to purchase items from shops . Reviewed on: 14th July 2022

Very good

Fair and secure. Very handy to make big purchases with more time to pay Reviewed on: 14th July 2022

PayPal credit makes buying easier

I have had a PayPal credit account for almost 5 years now, it is so convenient & simple to use. Getting 4 months interest free credit on purchases, or opting instead for a ‘pay in three’ payment is so helpful, allowing me to spread the costs over a longer time, taking away the stress and worry that comes with larger purchases Reviewed on: 13th July 2022

Easy to use

Super easy to use and no fuss. Helps to spread the cost of big purchases to more affordable ones. One very happy customer. Reviewed on: 13th July 2022

Easy, Reliable and Straightforward

Easy online click, no interest offer. Straightforward Reviewed on: 13th July 2022

The best credit provider

I tried many credit cards all my life PayPal credit is the best Reviewed on: 12th July 2022

Great

Very easy and helpful I'm using it and I don't have any complaints Reviewed on: 12th July 2022

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