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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

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.

PayPal PayPal Credit reviews (50809)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

I always use Paypal when I can especially the take 3...

I always use Paypal when I can especially the take 3 payments and also the credit facilities I just think its so easy to use and safe plus the people who accept Paypal also are trustworthy people to deal with. Reviewed on: 3rd June 2025

A really useful method of payment

Really useful and helpful to spread the cost of purchases. Easy to use. Reminders of interest costs and when particular plans are coming to an end. Reviewed on: 3rd June 2025

I bought am item from a retailer.

I bought am item from a retailer. The item never arrived. PayPal helped in receiving a refund for goods not delivered. Thank you and well done. Keep up the excellent service you provide. Reviewed on: 3rd June 2025

Quick application process, easy terms.

Quick application process, easy terms. Reviewed on: 3rd June 2025

PayPal is always really easy and straightforward to...

PayPal is always really easy and straightforward to use. Reviewed on: 3rd June 2025

Thank you for your flexibility

I like your flexibility & you always save my day Reviewed on: 3rd June 2025

great app and stuff lol.

great app and stuff lol. love it lots Reviewed on: 3rd June 2025

A Lifesaver in Difficult Situations

I have had two significant experiences where PayPal Credit stepped in when I needed it most. The first was when I struggled to get a refund for my mother’s flight ticket after the airline cancelled the return journey. Despite years of unanswered emails and limited compensation options from the travel agent, PayPal’s customer service reviewed my case swiftly and fairly. Within just two interactions, I was refunded £350—the true value of the return ticket. Their responsiveness was a breath of fresh air after five years of waiting for answers. My second experience came at a deeply emotional time. After attending a close family member’s funeral, I had to book a last-minute flight back to the UK—at prices nearly three times the usual cost. Financially stretched, I relied on PayPal Credit’s four-month interest-free payment plan to spread the cost of the ticket. This feature made an overwhelming expense manageable, allowing me to focus on what really mattered. In both instances, PayPal Credit proved to be more than just a payment option—it was a safety net during urgent and unforeseen situations. Their efficient dispute resolution and flexible payment plans make them an invaluable resource for consumers, particularly during emergencies. I highly recommend them for anyone looking for a reliable retail finance provider. Reviewed on: 3rd June 2025

Never had any problems with my credit account.

Never had any problems with my credit account.one time I had to call as Temu was playing up all questions answered and solved in seconds. Reviewed on: 3rd June 2025

I have only had positive experiences with PayPal eas...

I have only had positive experiences with PayPal easy to communicate with and that are on point if you have problems with your purchases they will resolve the problem I am happy to be a customer I was hesitant at first but glad that I joined. Reviewed on: 3rd June 2025

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