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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:

Really like the interest free PAY IN THREE option

Really like the interest free PAY IN THREE option Reviewed on: 13th June 2024

It is good to know about PayPal credit for emergency...

It is good to know about PayPal credit for emergency spending. But …. I never thought it is so high fees for standing amazing to pay back. So now I try do not use credit just pay all back. But, like I said, it is good to “have” some amount of take for emergency. Reviewed on: 2nd June 2025

Thoroughly trust PayPal great if you have any problems

Thoroughly trust PayPal great if you have any problems Reviewed on: 2nd June 2025

A little confusing

Repayment of the credit and interest isn’t as simple as other places. Reviewed on: 2nd June 2025

Never had any issues

Never had any issues using PayPal facilities and customer services Reviewed on: 2nd June 2025

Great for online shopping.

Easy to use, easy to manage and PayPal credit is very useful. Reviewed on: 2nd June 2025

PayPal been amazing always works on everything and m...

PayPal been amazing always works on everything and made my life really easy when splitting payments . No high rates etc . They had 0 interest for first three month which was really great . I would recommend Paypal to everyone . I am using Amex which most place don’t accept Reviewed on: 2nd June 2025

Always use paypal it's easy you can pay what you wan...

Always use paypal it's easy you can pay what you want each month never had a problem. Reviewed on: 2nd June 2025

Use pay in three quite a lot, helps manage the bills.

Use pay in three quite a lot, helps manage the bills. Very easy to use so no complaints Reviewed on: 2nd June 2025

Easy to deal with no hassle, very helpful and great...

Easy to deal with no hassle, very helpful and great value especially with pay in 3 options Reviewed on: 2nd June 2025

Never had a problem.

Never had a problem. Easy communication Reviewed on: 2nd June 2025

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