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

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

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)

It’s great but interest rates are a little high

It’s great but interest rates are a little high, and customer service is not the best. I had an issue with a merchant and they declined my chargeback — even with Section 75 protection. Reviewed on: 26th May 2024

My go to spending power

The ability to spread payments are great, if unable to pay during interest free then the interest rates are reasonable. However i wish there was the ability of 12 months payment plans on other shops ratherthan just eBay. Reviewed on: 26th May 2024

The great thing is the credit limit is reviewed regu...

The great thing is the credit limit is reviewed regularly, making it easy for me to enjoy spending without worrying about short-term set backs. Reviewed on: 26th May 2024

It was a superb experience.

It was a superb experience. Very smooth transaction and excellent service. Reviewed on: 26th May 2024

GGCGBPT123

What exactly do you want me to say? Reviewed on: 26th May 2024

I use paypal credit to buy most items i need on ebay...

I use paypal credit to buy most items i need on ebay then pay later Reviewed on: 26th May 2024

Always use PayPal when buying online.

Always use PayPal when buying online. Excellent service Reviewed on: 26th May 2024

Very good service always provides money back guarant...

Very good service always provides money back guarantee if anything goes wrong with purchases! Highly recommend Reviewed on: 26th May 2024

PayPal credit is a great help

PayPal credit is a great way of spreading the costs and being able to purchase items I wouldn’t have been able to previously. The customer service is great and I feel my money is very safe when left with them. Reviewed on: 26th May 2024

Seamless

PayPal is a secure and fantastic, one-stop method to pay for items purchases online and in-store. Definitely the best out there! Reviewed on: 26th May 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

Everyday Credit Card
from Creation 2.98 from 19 reviews
Cashback Plus Credit Card
from NatWest 4.32 from 60 reviews
Avios Rewards Credit Card
from Lloyds Bank 4.03 from 60 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