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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50807 reviews)

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4.91

Based on 50,807 reviews, last reviewed 24th Aug 2025

80% decrease in 5 star reviews

in the past 90 days

60% 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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PayPal PayPal Credit reviews (50807)

It's good to use the buy it now and pay later when I...

It's good to use the buy it now and pay later when I need it. I feel my money and paying for things is extremely safe. Reviewed on: 27th May 2025

Easy, convenient, supportive.

Easy, convenient, supportive. Plenty of ways to save, keep track of your money and easily access and transfer money. Reviewed on: 27th May 2025

Only good if you’re a robot

Terrible customer service, cannot actually speak to anyone Reviewed on: 27th May 2025

Just one that you can trust with your money

Just one that you can trust with your money Reviewed on: 27th May 2025

An excellent online payment service.

An excellent online payment service. Since I have a connected wallet, where I can make payments and receive money, it’s a fantastic tool for managing costs. The availability of the credit function, added to the already existing option of paying in three instalments, has provided yet another option for managing online purchases. Reviewed on: 27th May 2025

I’ve been using PayPal Credit for over 9 years now,...

I’ve been using PayPal Credit for over 9 years now, and overall, it’s been a convenient option when I need a little flexibility in payments. The application process was quick and simple, and I was approved almost instantly.I mainly use it for online purchases and love that it integrates directly with my PayPal account. The 0% interest offer for 4 months (on purchases over £99) is really helpful, especially during tight months. However, you do need to be careful with repayment dates, missing a payment can lead to high interest charges. I set reminders to avoid this. Customer service was also helpful the one time I needed to get in touch. Overall, it’s a great tool when used responsibly. Reviewed on: 27th May 2025

Ease of use.

Ease of use. Fantastic Reliable Service Reviewed on: 27th May 2025

I love paying with PayPal credit 0%interest in 4 mon...

I love paying with PayPal credit 0%interest in 4 months Reviewed on: 27th May 2025

Great service

I have often used PayPal credit to give me extra time to pay for purchases and it has been a massive help. I love the fact that there are interest free offers so you don't have to worry about paying extra Reviewed on: 27th May 2025

Very Positive

My experience with PayPal Credit has been really positive. I appreciate how convenient and easy to use it is—it integrates seamlessly with my PayPal account, making online purchases quick and straightforward. The application process was simple, and once approved, I could start using it right away without needing a physical card. I also like how it offers flexible payment options, especially the promotional financing on larger purchases. It gives me the freedom to manage my expenses without feeling overwhelmed. Overall, PayPal Credit has made shopping and managing payments more accessible and stress-free for me. Reviewed on: 27th May 2025

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