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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50804 reviews)

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4.91

Based on 50,804 reviews, last reviewed 24th Aug 2025

100% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

PayPal is great for quick payments and easy credit i... PayPal is great for quick payments and easy credit if needed Reviewed on: 24th August 2025

Latest lowest rating:

2

Confusing payment/direct debit process Poor customer service, the first person did not read my issue properly and gave me an irrlevant answer and when I requested they read ALL my messages ... Read more Reviewed on: 16th June 2025

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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.

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PayPal PayPal Credit reviews (50804)

I buy stuff everyday then pay when I have to which m...

I buy stuff everyday then pay when I have to which me time to manage my money whenever I get paid but still save up money as well. Reviewed on: 11th June 2024

Quick and easy to use, clear on how much is outstand...

Quick and easy to use, clear on how much is outstanding and deadline to pay it by anyone could use it. No issues what so ever Reviewed on: 11th June 2024

I've been with PayPal for years now, and I wish I co...

I've been with PayPal for years now, and I wish I could use it everywhere as a credit card for example. Keep up the good work and thank you. Reviewed on: 11th June 2024

Always positive and easy to use payapl make app very...

Always positive and easy to use payapl make app very accessable and are very customer focused Reviewed on: 11th June 2024

Useful to have

It's handy to use bit feels expensive when ypu see the charges. Reviewed on: 11th June 2024

Always had the best experience with PayPal credit

Always had the best experience with PayPal credit Reviewed on: 11th June 2024

I WAS SCAMMED & ROBBED by Gumtree, U don't care

Once my new Credit Account was opened, I paid £17.00+ to pay an outstanding Gumtree (Meta) boosting fees. All OK. THEN my account has £450+ taken for a tractor ad. WTF? £25 x4 was taken in a single day! Do you not have protective software for this? I AM STILL PAYING SOMEONE ELSE'S BILL. Reviewed on: 11th June 2024

PayPal credit is very good and handy, it helped me o...

PayPal credit is very good and handy, it helped me out when I first purchased a large item from Apple. I honestly didn’t know it was such a thing until I went to checkout and this was a way of paying and I applied and got what I needed and has came in very handy ever since Reviewed on: 11th June 2024

PayPal makes it easy for me to make payments to clie...

PayPal makes it easy for me to make payments to clients in America and in Canada at a reasonable exchange rate. It’s very easy to use and PayPal credit is great! It’s also informative as it provides investment advice and information on cash savings Reviewed on: 11th June 2024

The Best!

I was very skeptical about using a credit payment option in the beginning but how wrong was I! PayPal credit is the smoothest and easiest credit option there is in my opinion. The 0% interest for 4 months offer makes it that much better, allowing you to split a bill over a longer amount of time without having to worry about extra costs. The app is so easy to use and allows you to make payments whenever you please. Through good use of my PayPal credit account I have built up a larger allowance which has boosted my credit score massively. As a young adult it can be hard to build your credit score, with a lack of company’s offering credit or if they do, coming at a very high interest rate. PayPal credit has enabled me to build and maintain a great credit score which will really benefit me in the future so I couldn’t recommend enough!! Reviewed on: 11th June 2024

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