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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50809 reviews)

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4.91

Based on 50,809 reviews, last reviewed 1st Feb 2026

No new 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 virtual credit card.

PayPal Credit can be added to your PayPal wallet and is accepted at thousands of online stores. Your purchases are protected by PayPal’s 24/7 security and encryption. You also get Buyer Protection on eligible purchases.

PayPal Credit reviews help you find out what it’s really like to be a customer. If you’ve used PayPal Credit before, you can also leave a review and share your experience.

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PayPal PayPal Credit reviews (50809)

Great

Used it numerous times. Very helpful! Reviewed on: 8th July 2022

Trust

When I am thinking in PayPal...the first thing in my thoughts is Trust.! Reviewed on: 8th July 2022

Great service

The credit plans are great, definitely recommend to anyone Reviewed on: 8th July 2022

My Beginning

I had no credit cards and I wasn't able to get one as my credit was low but PayPal gave me an opportunity to make my credit and I'm using it and since last year I have built my credit and hopefully soon I'll be able to have even more credit limits. They gave me the opportunity and that's a lot for me. Thank you PayPal Reviewed on: 8th July 2022

Peace of mind

When you see PayPal logo on shopping websites you have peace of mind that your purchase will be all protected. Reviewed on: 8th July 2022

Easy and quick to use

PayPal credit is very easy and purchases are quick, you get monthly reminders and email updates. Interest isn’t too bad either Reviewed on: 8th July 2022

Efficient and easy

Available for most online transactions Reviewed on: 8th July 2022

Best credit agency so far

The fact that gives you a flexibility of 3 months free interest on every purchase it’s just a relief for your spending. Reviewed on: 8th July 2022

Excellent

Very good service providers always there to stand with humanity I m happy to have PayPal account with big organisation glad Reviewed on: 8th July 2022

PayPal Credit is amazing

I have had an amazing experiance with PayPal Credit, it has come in very handle to be able to get the things I need why im waiting for my wages to be paid, it easy to use and perfect for anyone who need that little help. Reviewed on: 8th July 2022

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