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PayPal: PayPal Credit reviews

View other PayPal products
4.91
Based on 50,809 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
Read all reviews See your review

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.

PayPal PayPal Credit reviews (50809)

Review of the PayPal, PayPal Credit:

A good help to be honest, sometime you don't want to...

4
A good help to be honest, sometime you don't want to pay a big amount and spreading the payment for more months is great for buget. Reviewed on: 1st June 2025
Traian I's avatar
Traian I

PayPal credit is great for spreading the cost and al...

4
PayPal credit is great for spreading the cost and also for buying things you may need to return Reviewed on: 4th June 2025
LWhite's avatar
LWhite

It's good, allows us to be smart with money and rest...

5
It's good, allows us to be smart with money and rest assured. Reviewed on: 4th June 2025
Hero Universe's avatar
Hero Universe

Love it, paypal credit is great, hard choice between...

5
Love it, paypal credit is great, hard choice between paypal and klarna, but i think paypal takes it as it allows for more balance, although i would like the option to switch cards during a pay in 3 similar to klarna Reviewed on: 4th June 2025
Tim's avatar
Tim

Great customer service

5
Great customer service, very polite and professional and very informative. Very easy to use. Would definitely recommend to a friend or family member. The interest rate is fairly competitive. I also appreciate the security for purchasing through PayPal. Reviewed on: 4th June 2025
Sutherland's avatar
Sutherland

Nice experience

5
Very good service. The app also functions smoothly. Reviewed on: 4th June 2025
John's avatar
John

Nice experience

5
Very good service. The app also functions smoothly. Reviewed on: 4th June 2025
John's avatar
John

Fantastic

5
I have used pay pal for years and over the last year have used pay pal credit very simple easy to use, no hassle way to purchase items and the added benefit of pay pal backing. Reviewed on: 4th June 2025
Martina S's avatar
Martina S

Pay in three is excellent.

5
Pay in three is excellent.Allowed me to make purchases i would otherwise not be able to make . Reviewed on: 4th June 2025
Nigel 's avatar
Nigel

Easy to use, and extremely helpful for big payments.

5
Easy to use, and extremely helpful for big payments. Reviewed on: 4th June 2025
Will L's avatar
Will L

The pay in three instalments is great for spreading...

5
The pay in three instalments is great for spreading the coat of large purchases Reviewed on: 4th June 2025
David P's avatar
David P

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