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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)

PayPal credit a real help

Never used PayPal credit until recently the application was straight forward and the money was available instantly upon approval. Certainly recommend giving PayPal a try, payments easy via direct debit A real help when buying furniture Reviewed on: 8th July 2022

Easy and stress free

Credit service designed in a way that keeps life simple. The PayPal app is solid and very intuitive. Definitely would recommend to others. Reviewed on: 8th July 2022

PayPal interest free credit is amazing

PayPal interest free credit opens up a whole new world of opportunity for those purchases that would be out of reach Reviewed on: 8th July 2022

Efficient and easy to use

Really easy to use and simplistic layout if very effective and helpful Reviewed on: 8th July 2022

Credit card with Different repayment options

Paypal is an online payment method which means you don't have to constantly input your card details for every online purchase Paypal Credit is similar to normal credit cards with a lowish interest rate. It has a slight difference from 'normal' cards in that it offers several 0% interest repayment schemes which repeat with every purchase, not just on initial use. Reviewed on: 8th July 2022

Good for all

Good value, when you want spend extra money Reviewed on: 8th July 2022

Brilliant

Brilliant service I love the interest free payment options brilliant company and easy to setup regularly payments Reviewed on: 8th July 2022

Pay in 4

For me, their pay in 4 installments product of any transactions above £100 is a game changer Reviewed on: 8th July 2022

Paypal credit

I very like this product, so easy spend with 0 interrest, just need follow every statement. Reviewed on: 8th July 2022

Easy 2 use

Love the credit is so handy when I'm short off money befor pay day especially if I have any car problems but I can use it pretty much anywhere these days Reviewed on: 8th July 2022

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