Smart Money People Logo

PayPal: PayPal Credit reviews

4.91
Based on 30,761 reviews, last reviewed 5th Apr 2025
No new 5 star reviews
in the past 90 days
400% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

So intuitive and great features! I have been using PayPal Credit for a while now and it is such an easy and intuitive product to use. Couldn't reccomend it enough! Reviewed on: 2nd April 2025
Jack O's avatar
Jack O

Latest lowest rating:

1

PayPal Credit is committing financial fraud. Without warning or explanation, £288 was taken from my account. When I called customer service, they refused to explain the charge and told me to “rea... Read more Reviewed on: 5th April 2025
Mi's avatar
Mi

About this product

PayPal Credit is a virtual credit card.

PayPal Credit can be added to your PayPal wallet and is accepted at thousands of online stores. Your purchases are protected by PayPal’s 24/7 security and encryption. You also get Buyer Protection on eligible purchases.

PayPal Credit reviews help you find out what it’s really like to be a customer. If you’ve used PayPal Credit before, you can also leave a review and share your experience.

PayPal PayPal Credit reviews (30761)

Review of the PayPal, PayPal Credit:

Yes,it helped me in my difficult times to pay.

5
Yes,it helped me in my difficult times to pay.Snd when doing online shopping its very safe process.The staff is friendly and well mannered.Free phone line to discuss.I am dealing with them for a long time and no hazel.some times but difficult to understand when paying the balance.so better have more simple ways.once I paid £100 to my Emirates ticket and it took off my monthly direct debit payments.so like this pls make it simple as old people don't understand much new technology Reviewed on: 9th June 2024

There when you need it.

5
There when you need it. Waiting till payday? No problem use PayPal credit Reviewed on: 18th June 2024

Quick installments without any hassle.

5
Quick installments without any hassle. Extremely convenient. Reviewed on: 18th June 2024

Been a customer for over a decade, that should say i...

5
Been a customer for over a decade, that should say it all Reviewed on: 17th June 2024

improvements needed here n there , great experience ti

4
Customer service can be improved more , and need to be available on more online site as a mode if payment, need more news and offers to customer, so they get more involved Reviewed on: 17th June 2024

Hassle free 0% payment plan!

5
I used it to break up the payments, it was perfectly setup for a payment plan that worked for me according to how much I could afford to pay each month. The 0% interest is also a big reason for why I was appealed to applying for PayPal credit Reviewed on: 17th June 2024

Fab service and always there when needed

5
Fab service and always there when needed Reviewed on: 17th June 2024

Fast and reliable.

5
Fast and reliable. Payments by some credit providers don’t always go through, which can live one stranded. If payment is refused when in a foreign country you then have to phone credit provider, which can be quite expensive. No such inconveniences with PayPal Reviewed on: 17th June 2024

It’s good service and save time for transfer money

5
It’s good service and save time for transfer money Reviewed on: 17th June 2024

Great and easy to use PayPal credit

5
Great and easy to use PayPal credit Reviewed on: 17th June 2024

Regular user of PayPal credit

5
Have used PayPal credit for a number of purchases and it has relieved the financial stress of big purchases. Reviewed on: 17th June 2024

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

There's still more to see!

PayPal has a range of products available. Check the ratings of each product to find the right one for you. View all products