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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)

Paypal Credit - Flexible and straight forward!

Paypal credit has offered me an immense degree of flexibility in my spending through it’s 0% interest rate for 4 months following a £99 spend policy. I have found that every store online accepts Paypal credit, giving me a huge level of choice in my online purchases. Being accepted was an incredibly easy and straight forward process, as was adapting my credit limit to suit my daily needs. Reviewed on: 10th June 2024

Easy to set up.

Easy to set up. Can contact customer service easily. Clear details about payments. Reviewed on: 10th June 2024

Really helped me build my business by allowing me to...

Really helped me build my business by allowing me to pre pay services I’ve required Reviewed on: 10th June 2024

PayPal has been there for me for years

PayPal has been there for me for years, giving me flexibility and the ability to handle many financial decisions. Without it life would have been more stressful Reviewed on: 10th June 2024

I use PayPal regularly to help split costs and to pa...

I use PayPal regularly to help split costs and to pay for Christmas presents. I find it super helpful and very fair apr wise. Reviewed on: 10th June 2024

Easy set up and great customer support

Easy set up and great customer support Reviewed on: 10th June 2024

Needs/wants

Paypal offers me the option to buy myself the things I really want but I don't need. Reviewed on: 10th June 2024

Never had an issue and I’m happy to continue using i...

Never had an issue and I’m happy to continue using it for the foreseeable suture! Reviewed on: 10th June 2024

PayPal credit is a super handy tool to increase your...

PayPal credit is a super handy tool to increase your credit score and have a bit of extra funds safe in case of emergencies. Reviewed on: 10th June 2024

Very good, positive experience.

Very good, positive experience. No issues whatsoever so can’t comment on customer service but the general amount of information you are given provides enough to not need to physically speak to anyone. Reviewed on: 10th June 2024

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