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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)

Easy!

Love the pay in 3 and free credit for 4 months on larger purchases. Easy to keep a track on my spending. Reviewed on: 9th July 2022

Paypal credit spread payments for big items which can be hard to afford to pay all at once

Paypal credit is very handy for online spending, with a choice to spread payments for big items which can be hard to afford to pay all at once Reviewed on: 9th July 2022

Spreads the cost interest free!

Love the 0% pay in three offers. The PayPal app makes tracking payments and investments super easy Reviewed on: 9th July 2022

The best app to receive money.

Have been using PayPal for couple of years now and I have not get any issue with them. There customer service is really good and will come to your assistance if you need any help and information. Starting to use PayPal credit has add an amazing experience in using PayPal. They give you enough time to pay your credit with no interest. That's why I recommend PayPal to everyone so they can also enjoy some of there great service Reviewed on: 9th July 2022

Excellent service

Absolutely remarkable and recommended for financial support. Reviewed on: 9th July 2022

Excellent and responsible lending

This is one of the best credit lenders I’ve been using and they are fast, efficient, helpful and very responsible in lending Reviewed on: 9th July 2022

Fast & easy

It's a pefect way to pay for online shopping. Fast and easy. Reviewed on: 9th July 2022

excellent

Really helpful and easy to deal with, great services. Excellent, thank you Reviewed on: 9th July 2022

Financial support

Very trustworthy, and always comes handy Reviewed on: 9th July 2022

Quality and accurate service

I never had a problem with paypal credit and their over £99 for 4 instalments %0 interest offer is fantastic Reviewed on: 9th July 2022

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