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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

99% 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)

Almost perfect

PayPal credit is very flexible, the interface isn’t 100% great as it takes off minimum payment as well as any extra cash you put towards paying it off Reviewed on: 6th June 2024

Paypal - my online shopping friend.

Have used for many years to help with larger purchases without any issues at all.Being able to feel safe while shopping on line is a great asset and this allows me to spread my costs according to my purse. Reviewed on: 6th June 2024

Only used customer services twice.

Only used customer services twice. 1st time so helpful what I thought would be a major issue was dealt with so quickly and easy was amazing. 2nd time around the gentleman wasn't helpful at all unfortunately. . Thankfully it wasn't a major issue so just left it in the end Reviewed on: 6th June 2024

Been with PayPal for many years and I am comfortable...

Been with PayPal for many years and I am comfortable and happy with the services and protections each times I used PayPal Reviewed on: 6th June 2024

Been a PayPal customer for over 5 years

Been a PayPal customer for over 5 years, customer service was always excellent and helped me whenever help was needed Reviewed on: 6th June 2024

No hassle to use.

No hassle to use. Easy to keep up to date with spending and repayments are made super easy in the app. Reviewed on: 6th June 2024

I have had a nice experience with PayPal, it has bee...

I have had a nice experience with PayPal, it has been swift and smooth using them. With PayPal, I can pay in instalments and not have to worry about the financial stress. Reviewed on: 6th June 2024

Paypal is the Best Trustworthy to use

You can rely on Paypal if there is any disputes between you and seller. Always been resolved fast Reviewed on: 6th June 2024

Very handy to split payments and obtain items that I...

Very handy to split payments and obtain items that I wouldn’t be able to access normally. Only thing that could improve is maybe a 6 and 12 month payment option for larger items such as holidays etc Reviewed on: 6th June 2024

Great that they offer a range of credit options

Great that they offer a range of credit options that are easily accessible. It also makes it easier to buy online when i don't have my debit/credit card to hand. I like the range of online businesses which accept PayPal credit. Reviewed on: 6th June 2024

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