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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)

Good service

Always had good service. No complaint Reviewed on: 11th July 2022

Great service!

I use PayPal for 99% of my online purchases and I wouldn't use anything else. Great service! Reviewed on: 11th July 2022

Easy way to get a credit.

Toked a credit from PayPal to buy an american fridge for our kitchen. Everything was straight forward and just with a few clicks everything was done. And the best is that I can pay in 4 instalments without interest. Happy days Reviewed on: 11th July 2022

Excellent service

Always happy to help with problems and a fair interest rate. Will always use paypal Reviewed on: 11th July 2022

Paypal credit

Opening credit acc was very easy and decision was made instantly. It’s a convenient way of shopping. Customer service s great. Reviewed on: 11th July 2022

Great service

Convenient service, there when needed at multiple outlets. Easy to understand and user friendly app. Overall excellent Reviewed on: 11th July 2022

Excellent

Really helps me out with spreading the cost over 3 payments Reviewed on: 11th July 2022

Paypal credit is great

Very easy to use and keep track if expenses. The 4 months interest free is an amazing feature. Reviewed on: 11th July 2022

Ideal

Protection buying online guaranteed Reviewed on: 11th July 2022

Fantastic interest-free deals

Flexible repayment options that let's me pay my credit back quicker if I want to. Brilliant interest-free deals that mean that I'm not paying any extra for the things I buy! Reviewed on: 10th July 2022

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