Smart Money People Logo

PayPal: PayPal Credit reviews

4.91
Based on 50,806 reviews, last reviewed 24th Jul 2025
921300% increase in 5 star reviews
in the past 90 days
1075% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Pay Pal Credit Very simple to use, excellent product. Reviewed on: 24th July 2025
Richard H's avatar
Richard H

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
Jane B's avatar
Jane B

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)

Get the things you want when you want

5
Very easy application process, handy for purchases - especially the larger ones. Helps with budgeting Reviewed on: 6th June 2024

Best credit facility

5
Fast and easy to use and compatible with most retailers, always works in a couple of clicks, I love it! Reviewed on: 6th June 2024

Very useful to have three months interest free.

5
Very useful to have three months interest free. Always know where I stand Reviewed on: 6th June 2024

Efficient and helpful service with good communication.

5
Efficient and helpful service with good communication. Been using PayPal for many years and will continue doing so. Reviewed on: 6th June 2024

Using PayPal credit is amazing.

5
Using PayPal credit is amazing. No hassle. Great service. Reviewed on: 6th June 2024

Paypal credit perfect for hobby purchases.

5
Paypal credit has been my go to credit company for hobby purchases.no issies with refunds or monthly payback amounts. Limit increases are offered fairly regularly and can be accept or declined by me. As its connected to PayPal you get the PayPal service with flexible checkout options for most shops that use PayPal checkout making it easy to use. Reviewed on: 6th June 2024

Really good everything I need, I know how much i owe...

5
Really good everything I need, I know how much i owe just by looking online Reviewed on: 6th June 2024

Very professional customer service

4
Very professional customer service Reviewed on: 6th June 2024

Easily obtainable nterest free credit

5
Great way to access interest free credit Reviewed on: 6th June 2024

Pay pal is the top in the game for credit

5
Pay pal is very reliable, fast and very easy to access, it’s by far one of the best credit platforms I’ve used yet. They offer amazing offers on percentages which is why I chose to use pay pal as it was better than the other competitors out there to use for credit 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

Want to see more from PayPal?

  • Pay in 3

    from PayPal 4.93 from 22347 reviews
    PayPal
  • Payment Provider

    from PayPal 4.91 from 3600 reviews
    PayPal
    View all products