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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)

Decent service

At the moment, PayPal is among the only providers that actually offer interest free credit. Reviewed on: 10th July 2022

Quick and easy

It’s quick and easy to apply for PayPal Credit – all you need to do is complete a short application form and PayPal credit will give you a decision instantly. If approved and you accept, you’ll have a credit limit attached to your PayPal account to start using straightaway at thousands of online stores. So I am loving it Reviewed on: 10th July 2022

PayPal

I recommend to all my friends and family to use PayPal, I always use PayPal. Reviewed on: 10th July 2022

PayPal credit is the one!

Four months interest free best deal around Reviewed on: 10th July 2022

Great service

Makes life easier with payment options and I feel being taken care off and supported. Reviewed on: 9th July 2022

Love PayPal credit my life easy

Really great support for spending. Reviewed on: 9th July 2022

Fast & efficient

Easy to use website, easy to manage , a variety of other finance options , safe & secure too ! Reviewed on: 9th July 2022

Outstanding

Never had a problem, with fair interest rates, and all the support you will need. Reviewed on: 9th July 2022

Buyer are safe

easy to use and safe, i can send money to family members free of charge. Reviewed on: 9th July 2022

Great service to manage payments

PayPal credit makes it easy when you have unexpected expenses like the kettle or washing machine breaking. You can choose a payment option that suits you. Very convenient. Reviewed on: 9th July 2022

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