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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)

Couldn’t be happier

I got approved with low credit as I had just started off and applied through PayPal to get some tech on finance, I was accepted without issue and for the past 2 years, they have increased my credit limit several times and I’ve never had an issue setting direct debits up, paying or getting issues resolved. Reviewed on: 11th June 2024

Straight forward.

Straight forward. No issues. Got 3 months interest free. Reviewed on: 11th June 2024

Security with payments knowing if anything happens I...

Security with payments knowing if anything happens I've got help to sort it out Reviewed on: 11th June 2024

Very useful for Online Payments.

Easy to use, very helpful for installment payments without interest. Very good at dispute resolutions when they happen which makes it a safe choice with online purchases. Not happy to pay a £12 fee the only time l forgot to pay my monthly repayment with PayPal credit which l paid only a few days later when l realised it. Knowledge and awareness is the key when using it as per everything. Reviewed on: 11th June 2024

Very nice and very confident.

Very confident service, easy to manage Reviewed on: 11th June 2024

Easy to use and gives time for payment.

Easy to use and gives time for payment. Takes a little time to clear funds from bank though. Would like it to be a little quicker. Reviewed on: 11th June 2024

I’ve had PayPal credit for 7yrs now maybe longer and...

I’ve had PayPal credit for 7yrs now maybe longer and I love it it gets used mostly for Xmas and bday x Reviewed on: 11th June 2024

PayPal helped we a credit loan which jump started an...

PayPal helped we a credit loan which jump started an amazing business, couldn’t be more grateful for all the support from PayPal Reviewed on: 11th June 2024

Spread your payments interest free!

Awesome service enabling payments to be spread interest free. Great integration with most Web sites. Reviewed on: 11th June 2024

Where available, PayPal's payment process is intuiti...

Where available, PayPal's payment process is intuitive and easy to use. Less steps to complete a transaction. I am fond of the Express Checkout feature available on most vendor sites. Reviewed on: 11th June 2024

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