Write a review

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50804 reviews)

View other PayPal products

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

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 (50804)

Paypal Credit has been useful, particularly their pa...

Paypal Credit has been useful, particularly their pay in 3 option Reviewed on: 6th June 2024

helps me enjoy life and stay in budget

Easy to apply for, always available once you have it. It’s been an excellent way for me to budget for purchases over multiple but still short budgeting periods and pay for bigger items like holidays, seasonal clothing and gifts without incurring interest. I always make sure I end the year with a zero balance so I know I am living in my means. PayPal Credit helps me enjoy life while staying in budget. Reviewed on: 6th June 2024

Excellent services

Customer service always address my query promptly Reviewed on: 6th June 2024

Perfect for personal and business.

I have been using PayPal credit now for years, it helps me both with personal purchase and helps massively with my business. Reviewed on: 6th June 2024

All transactions have gone smoothly

All transactions have gone smoothly and have been given good credit options Reviewed on: 6th June 2024

Best credit acc...

I have no problem since the opening of my credit account with PayPal. Always use it and it reminded me of there is any upcoming due payment, activity of money has been paid into my account by third parties. So highly recommend Reviewed on: 6th June 2024

PayPal customer service is amazing.

PayPal customer service is amazing. They’re always helpful and help solve any problem I have. PayPal credit has really helped me in the past also. Reviewed on: 6th June 2024

Great for short term interest free credit

I have been using PayPal credit for a few years now, and find it a cost effective way of making purchases. I have always been pleased with the customer service when I have found it necessary to contact PayPal. Highly recommend. Reviewed on: 6th June 2024

Super handy way of paying people for Various reasons!

Always great customer service if I’ve ever needed anything. Simply way of paying for things online with many many companies, but also handy that you can use to pay other people too! Reviewed on: 6th June 2024

0 issues!

Always great to use PayPal and very easy too, have had never no issues and works as it should! 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 thinkmoney 1.25 from 2 reviews
Charge Card
from American Express 3.91 from 24 reviews
123 credit card (discontinued)
from Santander 3.91 from 159 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.93 from 22351 reviews
Payment Provider
from PayPal 4.91 from 3599 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