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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)

Extremely convenient way to pay monthly for larger purchases

PayPal credit has given me more flexibility to pay for items I wanted over a monthly period with bills on the rise having a credit facility to help buy gifts and larger items now and pay later is so very helpful. I love it! Reviewed on: 12th July 2022

Would not use anything else

Ease of purchase and the protection it offers. Can't beat the service, and different options, credit, pay in 3 or pay in full Reviewed on: 12th July 2022

Interest free!!

Great interest free deal available App is easy to use and clear to see where money is going and what is due! Reviewed on: 12th July 2022

Absolute Peace of Mind

Pay Pal is absolute Peace of mind and trusted credit agency. Reviewed on: 12th July 2022

User friendly and people friendly

Finally feel trusted again, I will and do recommend PayPal Reviewed on: 12th July 2022

PayPal is great

PayPal is great and useful when buying on line, but my only bug bear (which is why I did not give it 5 stars) is if you miss a single payment they put it straight on your credit record. I missed a single payment as I had moved my payment date (so two payments in a short period - so I forgot). Paid immediately when they emailed me but they had already put it on my credit record (even though I had never missed a payment before) and paid up almost immediately after. I feel they should give clients a short period of time after they send out the reminder in case its a genuine error. Also I have been with them for quite some time and they have never increased my limit even though I use it regularly for payment and always pay my monthly payments on time, AND I also have a good credit record. Reviewed on: 12th July 2022

Difficult period

It comes in handy during this difficult financial period. Reviewed on: 11th July 2022

Fantastic flexibility and payment

Not only is PayPal credit easy to use, it gives you 4 months of 0% interest free, hence it helps you build your credit. It’s very trustworthy and it has given me flexibility like no other company could. I’d recommend this to everyone. Reviewed on: 11th July 2022

PayPal - A Real Friend in a Time of need

What a refreshing company Paypal is. Their credit card with 0% interest for 4 months if certainly a most welcome tonic in these difficult times. Reviewed on: 11th July 2022

Flexibility

It is a very good and flexible feature to borrow money and plan to pay back Reviewed on: 11th July 2022

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