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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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Help others make smarter decisions by sharing your own experience.

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PayPal PayPal Credit reviews (50804)

Gives you enough time to pay.

Gives you enough time to pay. They let you know when money will come out of your account. Reviewed on: 10th June 2024

Highly recommended

This allows more time to pay off. Reviewed on: 10th June 2024

I love PayPal credit.

I love PayPal credit. I tend to use the 4 months interest free option it makes life so much easier Reviewed on: 10th June 2024

Simple & Clean

All my usage of PayPal has been very easy and simple. I’ve never had any complications and this ease gives me piece of mind while using the app and I use it regularly! PayPal credit was also useful and easy to pay back, with good communication regarding payments needed and when by. All in all a very informative and useful service. Reviewed on: 10th June 2024

Lost credit score almost instantly.

I set up a direct debit but it didn’t go through, and the next day it negatively impacted my credit score. I wish they would give me more time to pay them as the direct debit was to the wrong account. It was my fault for not setting it up correctly but a little more than a couple of hours before it was reported would have been nice. Reviewed on: 10th June 2024

Customer service is great and they get back to you v...

Customer service is great and they get back to you very fast to solve your problem. Reviewed on: 10th June 2024

Very simple layout and easy to navigate.

Very simple layout and easy to navigate. With various security tools, I am never worried Reviewed on: 10th June 2024

Only ever great experiences with PayPal, over the ye...

Only ever great experiences with PayPal, over the years they have really gained my trust. I would certainly recommend to others without a shadow of a doubt. Also I've spoken to the customer service team on numerous occasions and all of which have been clear, polite and have strived to resolve any queries. Reviewed on: 10th June 2024

Indispensable- makes paying on line safe, easy and w...

Indispensable- makes paying on line safe, easy and with the confidence of knowing that PP is there if you need them. In today’s world with so many bad actors out there, knowing PP is on your side (and in front protecting you) takes away the fear and lets you get on with your life. Thanks PP! Reviewed on: 10th June 2024

Great for my eBay spending habit

Great for my eBay spending habit Reviewed on: 10th June 2024

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