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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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Help others make smarter decisions by sharing your own experience.

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PayPal PayPal Credit reviews (50804)

I use PayPal credit for most of my purchases on eBay...

I use PayPal credit for most of my purchases on eBay and it's great Reviewed on: 27th May 2024

Easy straightforward ways to pay.

Easy straightforward ways to pay. Reviewed on: 27th May 2024

I would definitely recommend PayPal as they are exce...

I would definitely recommend PayPal as they are excellent at responding to any queries and I have had no problems with them at all Reviewed on: 27th May 2024

Very easy to set up and manage

Very easy to set up. Very clear information in the app on payments made and balance still due. Reviewed on: 27th May 2024

There is not a lot to say but that when I had an iss...

There is not a lot to say but that when I had an issue it was resolved right away. I gave the details and it was look in to. The time scale give were good as in a few days it was all sorted. It was when I had something gone out of my account and still not received the good. X Reviewed on: 27th May 2024

Simple & useful

Paypal Credit was my introduction to credit and lending. It has been so simple to manage via the app and helped to improve my credit score from a young age. Reviewed on: 27th May 2024

PayPal interest free

PayPal credit is my go to payment through PayPal, the 3 months interest free is very beneficial giving you a little breathing space to make larger financial purchases at no extra cost. Reviewed on: 27th May 2024

Love PayPal Credit

So easy to deal with and great products, I couldn’t recommend enough as use PayPal credit all the time. easy to set up and use. Reviewed on: 27th May 2024

Paypal Credit has been a game changer for me.

I have been using Paypal credit for years to pay for holidays. I always pay the credit off within the four month limit to avoid interest charges. In a world where very little financial help is offered, I see Paypal Credit as a real lifeline for the normal person. Reviewed on: 27th May 2024

Flexible payments are a bonus

You have a set payment each month but if you have a little extra left at the end of the month you can pay this off your total bill which can help to cut the length of the loan term. Reviewed on: 27th May 2024

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