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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 29th Oct 2025

96% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Good start, but tell us a little more. Good start, but tell us a little more. Reviewed on: 23rd October 2025

Latest lowest rating:

1

I have used PayPal pay in 3 for aome time and i was... I have used PayPal pay in 3 for aome time and i was happy intil 2 months ago. When I ordered items from Debenhams I was informed that they will be 2 p... Read more Reviewed on: 29th October 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)

Wonderfully easy to use

Easiest credit card I’ve ever had. Just log in and pay! Reviewed on: 11th August 2022

Good idea but limited places to physically use it

Good customer service and experience but has a few downsides 1- direct debits come out 5 days after the say e.g had a dd due to leave the account on the 6 it left my acount account on the 11th 2-limited use to mainly major online retailers very few small businesses or shops use them hence limited market access 3 - you can't use it instore Reviewed on: 11th August 2022

Just simple and understandable

Credit system simple and clear app account is great and not confusing. Reviewed on: 11th August 2022

Thank you PayPal

Fantastic service love PayPal and always do my transactions with PayPal Reviewed on: 11th August 2022

A massive help

PayPal’s credit service has been a massive help to me. It has allowed me to manage my payments better. Reviewed on: 11th August 2022

Free Freedom

PayPal credit allows customers to purchase the products or services they deserve. It is easy to use, very secure and can be easily managed. I would strongly recommend you give it a good shot. Reviewed on: 11th August 2022

Flexible payments brilliant

Great all round service especially the choice of how to pay !! Reviewed on: 11th August 2022

Very good service

I’m very happy to PayPal service Reviewed on: 11th August 2022

PayPal credit is a lifesaver

I can't recommend PayPal credit and PayPal in 3 enough. It has made online payments so much easier and stress-free. Reviewed on: 11th August 2022

Better than credit card

It really helped me in many situations that i could actually pay with Paypal Credit. Very grateful. Reviewed on: 11th August 2022

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