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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 24th Aug 2025

98% decrease in 5 star reviews

in the past 90 days

96% decrease in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

PayPal is great for quick payments and easy credit i... PayPal is great for quick payments and easy credit if needed Reviewed on: 24th August 2025

Latest lowest rating:

2

Confusing payment/direct debit process Poor customer service, the first person did not read my issue properly and gave me an irrlevant answer and when I requested they read ALL my messages ... Read more Reviewed on: 16th June 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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Help others make smarter decisions by sharing your own experience.

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PayPal PayPal Credit reviews (50806)

Peace of mind

Since I got the PayPal credit I am literally free of mind about my purchases, no need to bother about interest rates any more, anything above £99 I am paying it within 4 months of interest free, I am loving it Reviewed on: 8th July 2022

Best of the Best

PayPal credit has changed my life. Before, I was so scared to shop for expensive essentials like a new washing machine, a top phone, a high end computer etc. I knew I could afford them if only I was offered enough time to pay for them. Then came PayPal credit with their flexible interest free credit for 4 months! My dreams came true! Reviewed on: 8th July 2022

Excellent and straight forward

I’ve never had any credit before and this has made the step into this world very easy and accessible. Reviewed on: 8th July 2022

Contemporary credit provider

PayPal credit is very easy to use (I.e. easy to make payments securely and easy to setup your repayments, very flexible). Customer service is 10/10 when you need support with any query. Reviewed on: 8th July 2022

PayPal credit

Really would recommend using PayPal credit. Once approved it is quick and easy and pretty much every online shops etc uses PayPal as an option to pay. 4 months no interest gives me a lot of time to pay off what I’ve bought and if I don’t do it within that 4 months, the interest for me is affordable. Love that each new purchase has its separate no interest Reviewed on: 8th July 2022

Excellent

Excellent services. Keep it going. Reviewed on: 8th July 2022

Wonderful credit

Excellent payment method , easy to use, confusing to increase credit limit Reviewed on: 8th July 2022

Secure and reliable!

One of the best payment provider. Can sort out all issues easily and very secure! Reviewed on: 8th July 2022

One of the best and easiest forms of credit available

PayPal is readily available on most retailers websites. It was a no brainier to apply for the PayPal credit. No real checks were done, easy to apply, decent amount of credit. What's there not to like about it??? Reviewed on: 8th July 2022

Love it

I have been using this for a couple of years now and it has been great. I tend to use it to split large purchases over a period of time and take advantage of their 0% interest. During these difficult times it has been a life saver. Reviewed on: 8th July 2022

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