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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)

The best credit card

You have always confidence for shopping or any kind of expending with no interest in 4 months. Reviewed on: 9th July 2022

very convenient

easy payments, finances flexibility Reviewed on: 9th July 2022

Highly recommend

Spread the cost with no interest, what’s not to like Reviewed on: 9th July 2022

A Great way to Pay!

I've used PayPal Credit on several occasions and it has helped me buy those expensive items I've wanted. Anything £99 and above qualifies and allows you to spread your payments, which is brilliant as I'm paid monthly. Reviewed on: 9th July 2022

Always there, always fair!

I feel safe with PayPal, I’m protected and I am treated fairly. Friendly reminders mean I never miss a payment and 0% interest gives me peace of mind: Reviewed on: 9th July 2022

IT IS AWESOME

So easy to manage with the app, let’s you keep track. Safe and secure Reviewed on: 9th July 2022

Absolutely Smashing

My experience with PayPal has always been a pleasure. To offer people the credit scheme proves to be very useful and will help many. Thank you PayPal Reviewed on: 9th July 2022

Great PayPal I use every single month

I use PayPal credit interest 3 option very often find it a great way to pay for things over time. A star ++++++++ Reviewed on: 9th July 2022

Paypal credit.

Paypal is the biggest online paying platform and it has paypal credit now!! What more can you want, for me - buying a lot online, it is absolutely a win! Good rates and discounts with quite few offers of payment ( pay in 4 etc.. ) it makes it even better... been using it since day 1 and have nothing bad to say, if you are buying online a lot, like i do, it's a no brainer with good interest rates and offers which benefits you in a long run. Online payments with flexibility, brilliant. Reviewed on: 9th July 2022

No precent for 4 months

Is always good experience shop and no pay precent Reviewed on: 9th July 2022

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