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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)

Brilliant service

I've used PayPal credit for a few years now. More expensive buys are easier when cut into four payments, Brilliant! If something goes wrong and you have to contact PayPal ....They're on the ball, Brilliant! Problem seller? Money refunded the next day. Brilliant service. Many thanks! Reviewed on: 8th July 2022

Thumbs up from me !

I have been using pay pal credit for a while now and can honestly say it is one of the fairest credit facilities I use . I love that of you pay off larger purchases in full within a certain time frame you pay no interest. The app is so easy to use and all information is clear . I would definitely recommend it to friends . Reviewed on: 8th July 2022

Cost spreading

It is very handy to spread the cost at no interest if paid within 3/4 months Reviewed on: 8th July 2022

Simple and easy

The simplicity of 4 months interest free credit makes it easy to manage my credit in a cost effective way; it also gives the chance to save further and not have to pass up a bargain. Reviewed on: 8th July 2022

Best out there !

Credit with no interest for 4 months is not bad t all. Reviewed on: 8th July 2022

Very helpful and reasonable

Since PayPal credit, its been possible to meet up with life activities and expectations. Thanks! Reviewed on: 8th July 2022

Paypal Credit is the best so far

Good experience and it is better than the credit I've gotten anywhere else. highly recommended if you discipline your spending Reviewed on: 8th July 2022

Effective no nonsense, clear

Great offer with clear advice. Very useful in managing purchases within the interest free period Reviewed on: 8th July 2022

Paypal credit easy and reliable.

Have been using PayPal credit for quite long and is reliable and very easy to use. Reviewed on: 8th July 2022

Great

Great service. Really easy to use app Reviewed on: 8th July 2022

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