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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

Cannot speak highly enough

I’ve been using PayPal credit for over a year now, and it has been so helpful in making larger purchases, and then being able to pay them off over time. When I’ve had issues, the team at PayPal support have assisted me and gotten the issue resolved there and then. Reviewed on: 2nd June 2025

Easy and quick to use and apply.

Easy and quick to use and apply. Reviewed on: 2nd June 2025

The safest way to pay!!!

They are always fantastic and it’s the safest way to pay. In all the years of using PayPal I have only needed to contact them once, due to a company I ordered from not correcting an issue. After being advised what to do and contacting the company I purchased from again, my goods were replaced within 24 hours. Reviewed on: 2nd June 2025

Use it all the time, great for spreading the cost, p...

Use it all the time, great for spreading the cost, pay in 3 and deferred over 4 months is fantastic, really allows me the flexibility and ability to apply affordability to my shopping. Reviewed on: 2nd June 2025

Just works for me PayPal credit.

Just works for me PayPal credit. Don't need a credit card just use PayPal wisely and pay off in time no interest love it. Reviewed on: 2nd June 2025

Great financing solution, and easy to use.

Great financing solution, and easy to use. very convenient and straightforward. Reviewed on: 2nd June 2025

Easy when purchasing items online stores all my card...

Easy when purchasing items online stores all my cards gives me the option to spread the cost 0% Reviewed on: 2nd June 2025

Excellente Customer service

I recently had an issue with an online purchase where the seller failed to deliver the item as promised. After trying to resolve it directly with no success, I opened a dispute through PayPal. The process was straightforward — I submitted the details and supporting evidence, and within a few days, PayPal reviewed the case. To my relief, they ruled in my favor and issued a full refund. I was impressed with how fair and efficient the resolution process was. This experience really reinforced my trust in using PayPal for online transaction Reviewed on: 2nd June 2025

I’ve never had any issues with PayPal and often use...

I’ve never had any issues with PayPal and often use it to add an extra degree of safety Reviewed on: 2nd June 2025

I have used paypal now for approximately 10years.

I have used paypal now for approximately 10years. I have found the service very useful and trustworthy. In fact l rarely use websites that do not offer paypal payments as l don't like giving card details over the internet. In rare disputes regarding non receipt of goods paypal have sorted the dispute satisfactorily and reimbursed me. They settling of disputes has been easily resolved through their chat room. They respond quickly via chat bots or agents. So in all l am happy to recommend them and vouch for the reliability of their service. Plus l have used the credit fascility they offer with delayed no interest to pay service allowing upto 3 or 4 months credit with no interest applied if paid in full at the end of term. Plus pay in 3 has been very useful. Highly satisfied with paypal. Thank you for your service. Christine James. Reviewed on: 2nd June 2025

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