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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)

Not easy to use

The customer service is very prompt and helpful but the result for a service like disrepute issue is one thing that you never want to come across to. Reviewed on: 10th July 2022

Much loved

Have no worries with PayPal. A peace of the mind Reviewed on: 10th July 2022

Fab

Great way of spreading cost. I've used it for years Reviewed on: 10th July 2022

Quick easy reliable

PayPal credit is ideal for any shopper, the “no interest for 4 months” on payments over £100 is just great and means I can spread out the repayments easily. Reviewed on: 10th July 2022

5 star

Overall it’s a positive experience Reviewed on: 10th July 2022

Reliable, convenient, safe and easily accessible

I have been using PayPal for 4 years now and I have found it so convenient and accessible. I love that larger purchases can be made and paid back interest free over 4 months. Paypal credit is my go to for larger purchases, so much so that I no longer have or need a credit card. I would highly recommend. Reviewed on: 10th July 2022

Great

Helps out when needed for large items. Gives you chance to pay before interest is added. Reviewed on: 10th July 2022

Help in dark days

Sometimes I need a fast and reliable payment, I'm glad I have paypal. Reviewed on: 10th July 2022

The most used payment for my travels

The credit card payment became the default payment used for my travels due to spreading cost over the months as an option available for a few years ago. Reviewed on: 10th July 2022

Excellent

With PayPal, it makes it easier for me when making payment for online purchases. Reviewed on: 10th July 2022

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