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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:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Attempted and unknowingly scam pulled on my account.

Attempted and unknowingly scam pulled on my account. PayPal were straight on it by time I contacted them. Excellent. Reviewed on: 2nd June 2025

Interest free payment for 4months is complicated to...

Interest free payment for 4months is complicated to manage repayment. You can easily miss a payment and it will affect your credit score. Reviewed on: 2nd June 2025

Never had a bad experience but the conversion rates...

Never had a bad experience but the conversion rates could be better Reviewed on: 2nd June 2025

Had no problems, super secure Use it with my payment...

Had no problems, super secure Use it with my payments online or to pay others And easy to use Reviewed on: 2nd June 2025

I'm very happy.

I'm very happy. It works fast and easy for everything you buying. Excited and Excellent. Reviewed on: 2nd June 2025

Seamless experience- can’t complain at all

Seamless experience- can’t complain at all Reviewed on: 2nd June 2025

Payment Freedom

I like PayPal to give me freedom to do things that I like. The easy way to pay as I can. Reviewed on: 2nd June 2025

It’s so easy to use PayPal

It’s so easy to use PayPal and I like the various options for how to pay or spread payments, etc. Reviewed on: 2nd June 2025

PayPal customer service is poor,they hardly reply ,t...

PayPal customer service is poor,they hardly reply ,they use automated bot and it's annoying Reviewed on: 2nd June 2025

I wouldn't live without it.

I wouldn't live without it.. PayPal has changed my life it literally has, without PayPal credit I wouldn't own such nice things I buy everything with PayPal credit as it keeps money away from the misses.. and she can't see what I buy !! I highly recommend PayPal to everyone ! Reviewed on: 2nd June 2025

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