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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

1467% 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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PayPal PayPal Credit reviews (50806)

Easy to use but be careful

Like all credit you should carefully consider its use before making a purchase with it. What makes PayPal Credit great, its ease of use and accessibility, is also what means you should be wary of it. It is available in lots of online checkouts now with 4 months interest free to pay it back. It is so easy to use with a few clicks. However, PayPal Credit is not a credit card and that has some drawbacks. You do not get section 75 purchase protection to my knowledge with PayPal Credit and you cannot balance transfer any outstanding balance to a credit card. Therefore make sure you pay it off within the 4 months interest free period, otherwise the interest is extortionate and you may find yourself stuck with a very costly debt. Like any form of credit; make a plan before using it, don’t go outside of your means and it is a very handy tool. Reviewed on: 27th May 2025

PayPal credit is a fantastic way to purchase if mone...

PayPal credit is a fantastic way to purchase if money is a bit tight but you desperately need to buy you know you can use PayPal to pay off monthly or pay later. Reviewed on: 27th May 2025

Useful and helpful.

After applying for the credit, the approval was fairly quick. I have had no issues using it since, and the repayments suit my lifestyle too. All in all, a good experience Reviewed on: 27th May 2025

Very easy to understand, secure and I feel safe usi...

Very easy to understand, secure and I feel safe using PayPal. Very easy to contact for any customer support issues Reviewed on: 27th May 2025

Easy moving

Never had a problem moving money to business or friends Reviewed on: 27th May 2025

Easy Way to Pay

PayPal is a secure way to pay, Always use PayPal to pay for things online, Easy, Safe & Secure & Simple Reviewed on: 27th May 2025

Amazing flexible credit options

Have been able to replace some big appliances. Great payment options, choice of terms and interest free. Reviewed on: 27th May 2025

Great idea, very helpful with cashflow

Sometimes it's so helpful for the cashflow to be able to spread payment for few months. Reviewed on: 27th May 2025

fast & secure way to manage purchase and payment

Reliable services, been using PayPal for quick purchases, split cost, pay and manage invoice other service providers. Reviewed on: 27th May 2025

Paypal credit, for me is a great way to split costs...

Paypal credit, for me is a great way to split costs of larger items. With multiple options such as 4 months at 0% and pay in three it gives me the flexibility I am looking for. With so many online retailers being breached by hackers I am also confident that my details are safe as PayPal handles that side of the transaction. Reviewed on: 27th May 2025

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