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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50808 reviews)

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4.91

Based on 50,808 reviews, last reviewed 25th Jan 2026

No new 5 star reviews

in the past 90 days

200% 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

Pay pal - Has had my money held to ransom on all ord... Pay pal - Has had my money held to ransom on all orders placed for 120 days before they release any funds- We have been with Pay pal for several Year... Read more Reviewed on: 22nd January 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 (50808)

Straight forward reliable credit which is easy to repay

I find paypal credit to be really quite helpful when it comes to one off purchases, i recently purchased a new mountain bike for traveling to work, and the interest free repayment ( within four months) was super helpful :) Reviewed on: 31st July 2022

flexibility best

Paypal is a global company that gives me a lot of options to use and gives a really good product with different choices to pay Reviewed on: 31st July 2022

The BEST and ONLY safe way to pay

I have been using PayPal for over 15 years. There has NEVER been a problem with security. It's simply the easiest, safest way to pay online and to get paid. When I had problems with sellers or buyers or even with Paypal's system, the customer service was phenomenal and they sorted out every case with fairness even if it wasn't to me favour. With PayPal Credit, I have also now been able to make purchases that I wouldn't be able to do otherwise, and it doesn't even affect your credit score. It's amazing. They take security so seriously, that over the years, I received two phone calls from them checking my account's activity and making sure that it was me who is using it or if am happy with the service. I have recommended to all my family and friends and many of them have had the same experience. The best and ONLY safe way to pay online and get paid. Reviewed on: 31st July 2022

PayPal credit has advantages

I like to pay as much as I can each month using PayPal credit and then I settle my account each month. It helps me to keep a track of my spending while making online shopping much safer. Reviewed on: 31st July 2022

Which i could have a real card

paypal is great but i wish i could have a physical or digital card Reviewed on: 30th July 2022

Trusted payment system

I feel safe paying with Paypal knowing if i have a problem it will get resolved, paypal credit is a good option because i can choose how many months to pay my choice Reviewed on: 30th July 2022

easy and clear enough to use

very helpful in my daily shopping Reviewed on: 30th July 2022

A LIFE SAVER

Spreading my payments easily has helped my family Reviewed on: 30th July 2022

Fantastic product

Paypal credit is great, offering a variety of payment plans. 4 month interest free Reviewed on: 30th July 2022

useful

very simple and easy to use, helps out with online shopping without the hassle of writing in my details everytime! Reviewed on: 30th July 2022

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