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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

Great Service!

Always a good service, never had any issues Reviewed on: 1st June 2025

I am happy very good service.

I am happy very good service. Delivery on time no problem. Reviewed on: 1st June 2025

Easy to use, feels safe when shopping online

Easy to use, feels safe when shopping online Reviewed on: 1st June 2025

Always receives great service with paypal , I would...

Always receives great service with paypal , I would like to see a quicker response on the live chat though Reviewed on: 1st June 2025

Secure way to spread cost of purchase.

Very good options to spread the cost of the purchase, and everything is quite secure. Reviewed on: 1st June 2025

Good good

It’s ok. better than some easy to use Reviewed on: 1st June 2025

paypal credit is easy to use and is very user friend...

paypal credit is easy to use and is very user friendly, the app is amazing and once set up its only a few clicks to get pay in 3 Reviewed on: 1st June 2025

No issues, first choice

No issues, PayPal is my go too payment method Reviewed on: 1st June 2025

Customer Service Is A Dream

Have called Customer Service several times and the people I’ve spoken to have always been very friendly and sorted out my problem Reviewed on: 1st June 2025

I’ve found PayPal Credit really handy for spreading...

I’ve found PayPal Credit really handy for spreading the cost of bigger online purchases, especially with the 0% interest offer on anything over £99 if paid off in four months. It’s quick to set up and works seamlessly with my PayPal account, which makes checkout easy. That said, the interest rate is quite high if you don’t clear the balance in time, so it’s not ideal for long-term borrowing. I also think it’s a bit too easy to overspend when credit is just a click away. Reviewed on: 1st June 2025

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