Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50809 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

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

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 must have!

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

Easy to request, use and pay back.

Easy to request, use and pay back. I don't find PayPal to be as fast as other services for payments to come through though, which feels annoying as it's all digital and feels unecessarily slow (when compared to other brands with similar financial products). Sometimes it's take 5 working days or more, which feels a bit long for online banking Reviewed on: 2nd June 2025

I can use my PayPal almost everywhere , it’s easy an...

I can use my PayPal almost everywhere , it’s easy and convenient to pay, especially with 3 instalments ! Reviewed on: 2nd June 2025

In all interactions, the result has been positive.

In all interactions, the result has been positive. And experience simple. Reviewed on: 2nd June 2025

Paypal credit is very handy.

Paypal credit is very reasonable and easy to use with nice customer service. Reviewed on: 2nd June 2025

Useful vehicle for credit that's nicely integrated i...

Useful vehicle for credit that's nicely integrated into the paypal ecosystem Reviewed on: 2nd June 2025

Always use paypal for all purchases and their suppor...

Always use paypal for all purchases and their support is great Reviewed on: 2nd June 2025

Good idea if you need breathing space

Good idea if you need breathing space Reviewed on: 2nd June 2025

Very reliable and easy to access.

Very reliable and easy to access. Reviewed on: 2nd June 2025

I am using the service from long time.

I am using the service from long time. And yes,i like Reviewed on: 2nd June 2025

Hassle free shopping.

Payments are easy, payment due notifications help with managing finances, regular updates on all credit payments, makes it easy so nothing is forgotten about.Takes the hassle out of buying online and having to enter card details, PayPal does that for you. Reviewed on: 2nd June 2025

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Retail Finance
from Omni Capital Retail Finance 4.00 from 4 reviews
Retail Finance
from Close Brothers 2.53 from 12 reviews
Very Account
from Shop Direct 4.31 from 27 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.93 from 22350 reviews
Payments
from PayPal 4.91 from 3600 reviews
Debit card
from PayPal 4.00 from 1 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub