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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

98% 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)

Extremely convenient way to pay monthly for larger purchases

PayPal credit has given me more flexibility to pay for items I wanted over a monthly period with bills on the rise having a credit facility to help buy gifts and larger items now and pay later is so very helpful. I love it! Reviewed on: 12th July 2022

Would not use anything else

Ease of purchase and the protection it offers. Can't beat the service, and different options, credit, pay in 3 or pay in full Reviewed on: 12th July 2022

Interest free!!

Great interest free deal available App is easy to use and clear to see where money is going and what is due! Reviewed on: 12th July 2022

Absolute Peace of Mind

Pay Pal is absolute Peace of mind and trusted credit agency. Reviewed on: 12th July 2022

User friendly and people friendly

Finally feel trusted again, I will and do recommend PayPal Reviewed on: 12th July 2022

PayPal is great

PayPal is great and useful when buying on line, but my only bug bear (which is why I did not give it 5 stars) is if you miss a single payment they put it straight on your credit record. I missed a single payment as I had moved my payment date (so two payments in a short period - so I forgot). Paid immediately when they emailed me but they had already put it on my credit record (even though I had never missed a payment before) and paid up almost immediately after. I feel they should give clients a short period of time after they send out the reminder in case its a genuine error. Also I have been with them for quite some time and they have never increased my limit even though I use it regularly for payment and always pay my monthly payments on time, AND I also have a good credit record. Reviewed on: 12th July 2022

Difficult period

It comes in handy during this difficult financial period. Reviewed on: 11th July 2022

Fantastic flexibility and payment

Not only is PayPal credit easy to use, it gives you 4 months of 0% interest free, hence it helps you build your credit. It’s very trustworthy and it has given me flexibility like no other company could. I’d recommend this to everyone. Reviewed on: 11th July 2022

PayPal - A Real Friend in a Time of need

What a refreshing company Paypal is. Their credit card with 0% interest for 4 months if certainly a most welcome tonic in these difficult times. Reviewed on: 11th July 2022

Flexibility

It is a very good and flexible feature to borrow money and plan to pay back Reviewed on: 11th July 2022

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