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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 Jul 2025

921300% increase in 5 star reviews

in the past 90 days

1075% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Pay Pal Credit Very simple to use, excellent product. Reviewed on: 24th July 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)

My Beginning

I had no credit cards and I wasn't able to get one as my credit was low but PayPal gave me an opportunity to make my credit and I'm using it and since last year I have built my credit and hopefully soon I'll be able to have even more credit limits. They gave me the opportunity and that's a lot for me. Thank you PayPal Reviewed on: 8th July 2022

Peace of mind

When you see PayPal logo on shopping websites you have peace of mind that your purchase will be all protected. Reviewed on: 8th July 2022

Easy and quick to use

PayPal credit is very easy and purchases are quick, you get monthly reminders and email updates. Interest isn’t too bad either Reviewed on: 8th July 2022

Efficient and easy

Available for most online transactions Reviewed on: 8th July 2022

Best credit agency so far

The fact that gives you a flexibility of 3 months free interest on every purchase it’s just a relief for your spending. Reviewed on: 8th July 2022

Excellent

Very good service providers always there to stand with humanity I m happy to have PayPal account with big organisation glad Reviewed on: 8th July 2022

PayPal Credit is amazing

I have had an amazing experiance with PayPal Credit, it has come in very handle to be able to get the things I need why im waiting for my wages to be paid, it easy to use and perfect for anyone who need that little help. Reviewed on: 8th July 2022

Very easy

So good and helpful product! I recommend! Reviewed on: 8th July 2022

Love the way they giving us credit

It’s very convenient that I can enjoy 3 months interest free credit for my every big purchase. No other credit card is giving us this facilities. Reviewed on: 8th July 2022

Very good service

I've no complaints, the only thing I think they could improve is when there's a situation where an item is pre order, you can then end up paying interest for an item not yet recieved or losing out on the order due to that issue while doing account management and disposable income... A deposit in such situations would be more suitable ie preorder situation. Other than that I think pay pal credit is the best. I feel safe using the service and know they have my back Reviewed on: 8th July 2022

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