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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

100% 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)

Easy to claim, easy to manage.

Easy to claim, easy to manage. Great for unexpected expences. Reviewed on: 27th May 2024

Does what it says on the tin with no issues...

Does what it says on the tin with no issues or faff Reviewed on: 27th May 2024

Overall it's fantastic.

Overall it's fantastic. The only thing that could be changed is the delay when I make a payment. It takes a few days for the payment to go through to the paypal. But love it! Reviewed on: 27th May 2024

It’s great and easy to use

PayPal credit is so good, especially when you may return items (I.e. ASOS), makes it so simple to get refund and manage money Reviewed on: 27th May 2024

Quick and Simple

Very easy system , nice and simple , self explanatory Reviewed on: 27th May 2024

Question of ethics

Probably as ethical as a money lender can be. I would maybe set more prompts to remind of payments to avoid fees but to be honest they are better than a lot of other providers already. Only downside is you are unable to reduce your borrowing limit or close the credit account with closing your entire account(unless I am not seeing the close credit option). I’m sure this may have put people in precarious situations. Reviewed on: 27th May 2024

Excellent customer service

Excellent customer service. They were happy to help and quickly resolved an issue I had. Reviewed on: 27th May 2024

Easy to use .

Easy to use . Good value if you make the payments and safe to use . It makes paying for larger purchases so much easier . Really recommend PayPal Credit Reviewed on: 27th May 2024

Great service.

3 months free credit on purchases over £100. Protects you at every stage. Easy to manage with the same paypal app. Only down side is not being able to use it in shops. There are options for that if you link to another service, but there is a charge for that. So i will stick with using it for online shopping only. Apart from that, perfect service. Reviewed on: 27th May 2024

Convenient and Reliable Credit Option

I've been using PayPal Credit for several months now, and it has become an invaluable part of my financial toolkit. The application process was straightforward and quick, and I was able to start using my credit line immediately. The flexibility it offers for online purchases is fantastic, especially for unexpected expenses or larger purchases I need to spread out over time. One of the standout features is the promotional financing options, which often allow for interest-free periods if the balance is paid off within a certain timeframe. This has saved me money and made it easier to manage my budget. Additionally, integrating PayPal Credit with my existing PayPal account was seamless, making it extremely convenient to use at a wide range of merchants. Overall, PayPal Credit has provided a reliable and user-friendly credit solution that I would highly recommend to anyone looking for a flexible and trustworthy credit option. Reviewed on: 27th May 2024

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