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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50809 reviews)

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4.91

Based on 50,809 reviews, last reviewed 1st Feb 2026

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Simple and handy PayPal approved me for credit when NatWest would not, allowing me to make purchases with zero interest for 4 months. Their Pay in 3 service has also b... Read more Reviewed on: 25th January 2026

Latest lowest rating:

1

6M 0 interest is a scam. I opened this account because it offer 6M 0 interest. Im a 0 int person, i refuse to make banks rich and steal peoples money. Mind you, I have the mon... Read more Reviewed on: 1st February 2026

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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 (50809)

A good service for buying on credit!

A good service for buying on credit! Reviewed on: 11th May 2024

I've used PayPal for years .

I've used PayPal for years and when I have had problems PayPal have been very quick to sort it out . Reviewed on: 11th May 2024

Love PayPal!

Always my go to source of funding for various purchases. Very reasonable and simple to use. Love it! Reviewed on: 11th May 2024

Paypal is safe, easy to use and quite efficient.

Paypal is safe, easy to use and quite efficient. I make purchases with ease knowing that PayPal will step in if the good or service is not delivered. The credit facility offered by paypal also offers me time to pay for my goods and services without worrying too much and the best part is, it is with 0%i nterest if paid back within the agreed time. Reviewed on: 11th May 2024

Great product, but lacking certain features

PayPal credit provides good features, but the tracking of balances is not straight forward at all. Any balances for which promotional period has ended are not displayed in the main portal and the only way to see them is through monthly statement, which is frustrating and confusing for many people. Additionally, the hierarchy of balance settlements from manual payments is very unclear, and even customer reps often are not sure on this. There should be better tools for tracking balances and better information around balance settlements readily available to customers. Reviewed on: 11th May 2024

Easy to use and helpful when needed

Easy to use and helpful when needed Reviewed on: 11th May 2024

You have a pal with PayPal.

Easy to use and transfer money into. I also like the fact I can spend money on take away food and the wife has no idea. It just says PayPal and that is handy as it just creates an argument otherwise. So thanks for that PayPal - pal being the main word. That could be your advert but instead of eating food on the sly you can have someone buying an anniversary gift and have a slogan - “you have a pal with PayPal” Reviewed on: 11th May 2024

PayPal credit have been excellent in helping in diff...

PayPal credit have been excellent in helping in difficult situations. Reviewed on: 11th May 2024

Great easy experience , the only down side is when y...

Great easy experience , the only down side is when you make payment to your account it doesn’t take the payment straight away, but great in everything else Reviewed on: 11th May 2024

The app sometimes irresponsive checking balance

The app sometimes irresponsive checking balance Reviewed on: 11th May 2024

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