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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50806 reviews)

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4.91

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

88% decrease in 5 star reviews

in the past 90 days

78% 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 (50806)

Use the PayPal app to pay by card

If I don't have cash on me or if it is just more convenient to pay by card, I find it much easier and safer to use PayPal to pay for services or meals in public spaces instead of getting out my card details and keying in the details for each transaction. With PayPal holding my card details, I find the service secure and swift. Reviewed on: 5th June 2024

Simplicity

Easy to purchase items and easy to understand the payment plans. Reviewed on: 5th June 2024

User friendliness

Navigating the app or online account isn’t as easy or intuitive as it could be. Also, there is a lack of transparency regarding how calculations are made e.g. how much is allocated to a particular debt. Reviewed on: 5th June 2024

Superb service from day 1

Been a member from day one with no issues and great service Reviewed on: 5th June 2024

I am very satisfied,very easy to pay and buy anythin...

I am very satisfied,very easy to pay and buy anything, often helped me when I needed to buy something... Reviewed on: 5th June 2024

Trustful

PayPal credit has always been my first choice as a payment method and the fact that you have 4 months to pay back without any interest is life saving. recently I was scammed with a product bought with Paypal credit and the resolution team was very helpful. I am very thankful for this payment option Reviewed on: 5th June 2024

Excellent never had any problems

Excellent never had any problems Reviewed on: 5th June 2024

It’s a great way to manage your finances and enjoy s...

It’s a great way to manage your finances and enjoy shopping online. Having a credit account helps me to buy multiple sizes if needed and not worrying about being out of pocket for the time being for return periods Reviewed on: 5th June 2024

Always reliable & secure for payments

Always reliable & secure for payments Reviewed on: 5th June 2024

Excellent way to budget purchases

Excellent way to budget purchases Reviewed on: 5th June 2024

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