Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50806 reviews)

View other PayPal products

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

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 (50806)

No pressure to pay back asap

No interest for 4 months, I pay how much and when I want and great when I need to buy something but running low on my main account. Reviewed on: 14th July 2022

FANTASTIC LENDER

PAYPAL (CREDIT) IS A FANTASTIC LENDER. EXCELLENT LENDING SERVICES GUARANTEED AND PROVIDED - ALL PURCHASES AND SPENDINGS MADE ARE VERY EASY, SUCCESSFUL AND APPROVED!!! PAYPAL CREDIT HAS POSITIVELY EXCEEDED ALL EXPECTATIONS AND IS EXTREMELY HELPFUL IN DIFFICULT CIRCUMSTANCES. PAYPAL (CREDIT) EXCEPTIONALLY ENSURES ON-TIME AND CONSTANT COMMUNICATIONS AND INFORMATION ABOUT ALL PURCHASES, SPENDINGS, PAYMENTS AND EXISTING STATUS. NO FLAWS AND PROBLEMS EXPERIENCED IN PAYMENTS MADE FOR PURCHASES AND SERVICES PROVIDED!!! THANK YOU VERY MUCH PAYPAL (CREDIT). Reviewed on: 14th July 2022

easy to use

have used paypal credit a few times when really needed, it was easy to use and pay back monthly as you wish. Reviewed on: 14th July 2022

Great help during covid times

I used PayPal credit during covid times , it was great also to purchase items from shops . Reviewed on: 14th July 2022

Very good

Fair and secure. Very handy to make big purchases with more time to pay Reviewed on: 14th July 2022

PayPal credit makes buying easier

I have had a PayPal credit account for almost 5 years now, it is so convenient & simple to use. Getting 4 months interest free credit on purchases, or opting instead for a ‘pay in three’ payment is so helpful, allowing me to spread the costs over a longer time, taking away the stress and worry that comes with larger purchases Reviewed on: 13th July 2022

Easy to use

Super easy to use and no fuss. Helps to spread the cost of big purchases to more affordable ones. One very happy customer. Reviewed on: 13th July 2022

Easy, Reliable and Straightforward

Easy online click, no interest offer. Straightforward Reviewed on: 13th July 2022

The best credit provider

I tried many credit cards all my life PayPal credit is the best Reviewed on: 12th July 2022

Great

Very easy and helpful I'm using it and I don't have any complaints Reviewed on: 12th July 2022

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

Cashback credit card
from Lloyds Bank 0.00 from 0 reviews
Credit card
from Zopa 4.93 from 40272 reviews
Nectar Credit Card
from Sainsburys Bank 2.77 from 96 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.93 from 22350 reviews
Payment Provider
from PayPal 4.92 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