Write a review

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50806 reviews)

View other PayPal products

4.91

Based on 50,806 reviews, last reviewed 24th Aug 2025

99% decrease in 5 star reviews

in the past 90 days

98% 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

Read all reviews Write a review

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.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.

Write a review

PayPal PayPal Credit reviews (50806)

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

Very happy

Easy to setup and use. Good communication and customer service Reviewed on: 6th June 2024

PayPal has saved us through our big life changes!

PayPal has always been very easy to use. I rarely need to use my debit card online when I can use PayPal as an option. The credit options have also helped us when moving house, booking holidays and now welcoming a baby this year. Reviewed on: 6th June 2024

PayPal is very safe to use and when I buy anything a...

PayPal is very safe to use and when I buy anything and I pay by PayPal I never worry about that because I don’t trust the person I have PayPal to trust thanks Reviewed on: 6th June 2024

Easy to use, simple and a good way to manage money.

Easy to use, simple and a good way to manage money. Interest free payments for four months is useful. Reviewed on: 6th June 2024

Always been a pleasure.and convenient

Always been a pleasure. And so convenient Reviewed on: 6th June 2024

So far so good

The credit agreement works well and the option of 4 months interest is extremely handy and the fact that it works with other organisations allows me to plan my payment. The only issue is that there is not a review I feel there should be a review so your credit amount increases or decreases. Reviewed on: 6th June 2024

Always there when you need it.

Always there when you need it. Great service. Reviewed on: 6th June 2024

PayPal is a good way to pay off things in little ways!

PayPal is a good way to pay off things in little ways! Reviewed on: 6th June 2024

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Credit card
from first direct 4.10 from 26 reviews
Credit card
from The Co-operative Bank 2.85 from 35 reviews
Credit Card
from 118 118 Money 4.84 from 1101 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.93 from 22351 reviews
Payment Provider
from PayPal 4.91 from 3600 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub