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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.

PayPal PayPal Credit reviews (50806)

Review of the PayPal, PayPal Credit:

PayPal - an essential financial tool

PayPal has become an essential financial tool for managing both my everyday spending and credit needs. The platform excels in several key areas that make money management genuinely convenient. From the intuitiveness and user friendly design of the app making it easy to track transactions, manage my account, and access all features on the go. Everything feels streamlined and well-designed. PayPal Credit's interest-free payment options have been particularly valuable, allowing me to spread larger purchases over time without incurring extra costs when paid within the promotional period. This flexibility has helped with budgeting for bigger expenses. For transferring money to friends and family, PayPal is unbeatable. Being able to send money instantly without needing to exchange bank details or sort codes makes splitting bills, sharing expenses, or sending gifts effortless. The speed and efficiency of these transfers is impressive. What could be improved is the fee charge hitting the payee.if the sender doesn't select personal account. Overall, PayPal provides excellent money management options that cover everything from daily transactions to credit solutions. The combination of ease of use, practical features, and reliable service makes it a standout choice for digital payments and financial management. Reviewed on: 28th May 2025

Have used PayPal for many years - normal account and...

Have used PayPal for many years - normal account and credit. Always had a good experience Reviewed on: 1st July 2025

Fast a nd easy to use easy DD repayments.

Fast a nd easy to use easy DD repayments. Easy to pay extra Reviewed on: 30th June 2025

PayPal is great for international transactions

PayPal is great for international transactions. So far I haven’t had any issues and my money never got stuck. Reviewed on: 30th June 2025

I have always been happy with the service from PayPal

I have always been happy with the service from Paypal and it's customer service. Some transaction take a while to be processed but otherwise I haven't had any issues. Reviewed on: 30th June 2025

satisfaction

Very satisfied with my PayPal Credit account! I like a lot the 3 months 0% offer when paid off within that time. I also love that the ‚in’ & ‚out’ money are posted to the account and visible to you right away. Just wished to have a physical - virtual credit card attached to the account as well, so I could also use it when PayPal option not available at the check out or when physically shopping. Great service otherwise! Reviewed on: 30th June 2025

very helpful, very kind , people nice, processes is...

very helpful, very kind , people nice, processes is good Reviewed on: 30th June 2025

Quick easy app to use , also PayPal credit is excell...

Quick easy app to use , also PayPal credit is excellent gives you the opportunity to pay of 4 months interest free over 100 pounds Reviewed on: 30th June 2025

The 0% PayPal credit for 4 months is a great way of...

The 0% PayPal credit for 4 months is a great way of spreading the cost of larger purchases. I love fundraisers too as can do collections among friends or colleagues (e.g. leaving do) without fees. Reviewed on: 29th June 2025

not bad security wise very very good.

not bad security wise very very good. also easy to use Reviewed on: 29th June 2025

Great service - PayPal since 2002!

I have been using PayPal since 2002 (as far as I can remember), when I opened an eBay account. Since then, it has been great, and I’ve never had any issues. PayPal Credit is another excellent service that allows me to spread the cost over 3–4 months without interest, so I don’t have to worry about paying everything at once. Reviewed on: 29th June 2025

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