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PayPal: PayPal Credit reviews

View other PayPal products
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
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
Gabriela O's avatar
Gabriela O

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
Lui R's avatar
Lui R
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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)

MORE THAN HAPPY

5
I've been with PayPal many years back and it's amazing that they always creating something new for customers to have easy access with PayPal pay 4 Months with no interest, sending money to family and friends with no extra charge, quick response to any queries and quick access for a credit, lots and lots Reviewed on: 9th July 2022
Richie 's avatar
Richie

Exellent customer support and credit deal

5
Paypal have never let me down in any problems i had in past with purchases.problems solved always in less then a week .no stupid questions or requests of evidence etc.And credit 0% interest for 4 months perfect for me. Reviewed on: 9th July 2022
Arturas's avatar
Arturas

Happy

5
I am extremely satisfied with pay pal couldn’t ask for anything else Reviewed on: 9th July 2022
Miss L Williams 's avatar
Miss L Williams

Happy

5
Very good service, many opportunity's Reviewed on: 9th July 2022
Daniela Ciobanu's avatar
Daniela Ciobanu

Making Life Easier

5
0% interest across 4 months has made an incredible difference, especially during the cost of living crisis. I only wish there was a physical credit card to use in stores! Reviewed on: 9th July 2022
Adam Alexander's avatar
Adam Alexander

Great payment plans

5
Pay in 4 is affordable and PayPal is offers it across a variety of goods and services. Reviewed on: 9th July 2022
Lyndell 's avatar
Lyndell

Dreamed Holliday in Brasil

5
I sincerely had a wonderful experience with PayPal. With PayPal I turned my dream in reality. I had my dreamed Holliday in Brasil. Reviewed on: 9th July 2022
yascara simonetti's avatar
yascara simonetti

Definite room for improvement.

2
Not everything can be automated, failed to respond to support requests and experience many issues with incorrect DDs being taken and payments taking up to 18 days(!) to clear. Reviewed on: 9th July 2022
Edwin Michael Williams's avatar
Edwin Michael Williams

Outstanding

5
Great experience, reliable service Reviewed on: 9th July 2022
Saleem Patel's avatar
Saleem Patel

Amazing credit

5
PayPal credit is very easy to use and manage payments also you can pay off early without any extra cost Reviewed on: 9th July 2022
Rob's avatar
Rob

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