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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’ve used paypal for years

I’ve used paypal for years, the features and products have improved continually, and makes buying easy and secure. Reviewed on: 11th June 2024

Widely accepted

I like that it allows me to use my Amex card where Amex is not accepted by making a PayPal payment Reviewed on: 11th June 2024

Making purchases easier

A very convenient way to pay for your purchases,and excellent customer service Reviewed on: 11th June 2024

Amazing app experience and easy and clear terms and...

Amazing app experience and easy and clear terms and conditions! Reviewed on: 11th June 2024

Can't pay using a credit card.

Can't pay using a credit card. App is difficult to use Reviewed on: 11th June 2024

Have had no negative experiences.

Have had no negative experiences. The one time I had a problem with an an on-line purchase not being what it was meant to be the payment was refunded and the issue resolved within 30 minutes. Reviewed on: 11th June 2024

Great to have

Ease of use, customer service is excellent, reminders to pay is great Reviewed on: 11th June 2024

Sometimes confusing but on more thought other than a...

Sometimes confusing but on more thought other than an overcharge in interest which was misleading but explained adequately.need reminders of payment due time. Reviewed on: 11th June 2024

Responsible lending

A brilliant experience easy to pay extra payments and set up direct debits.. can choose if you want your PayPal card as preferred payment and easy to change that option if needed.. I'd recommend anyone to this card.. you have emails telling you when the direct debit is going from your chosen payment card in plenty of time. If you need to juggle some money.. I live it and its all responsible lending.. if you want to you can have full choice if you want your credit limit halted your in full control Reviewed on: 11th June 2024

PayPal helps with bday & Xmas money

With family the other side of the world PayPal is my go to for sending bday, Xmas money be lost without it Reviewed on: 11th June 2024

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