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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50808 reviews)

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4.91

Based on 50,808 reviews, last reviewed 25th Jan 2026

No new 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Simple and handy PayPal approved me for credit when NatWest would not, allowing me to make purchases with zero interest for 4 months. Their Pay in 3 service has also b... Read more Reviewed on: 25th January 2026

Latest lowest rating:

1

Pay pal - Has had my money held to ransom on all ord... Pay pal - Has had my money held to ransom on all orders placed for 120 days before they release any funds- We have been with Pay pal for several Year... Read more Reviewed on: 22nd January 2026

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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 (50808)

Review of the PayPal, PayPal Credit:

Highly recommend!

They were very understanding, willing to listen to my financial concerns and able to respond within a few hours with a positive response that put my mind about financials at ease without any rudeness at all. Reviewed on: 25th May 2024

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

Love the flexability that is provided by PayPal.

Have loved the flexability that is provided by PayPal. Means I can break a larger payment over 3 months which is much easier to manage than in one large payment up front. You've helped me on many occassions, so thank you. Reviewed on: 28th June 2025

Great option

Credit quick approval and makes bigger purchases much easier on the wallet. Reviewed on: 28th June 2025

Great customer service!

Very helpful to me when dealing with a consumer issue - I could do actually speak to somebody & discuss instead of chat bot & I appreciated that Reviewed on: 28th June 2025

PayPal Credit is easy to use but tricky to pay...

PayPal Credit is easy to use but tricky to pay off Reviewed on: 28th June 2025

It was very helpful to be able to pay for the goods

It was very helpful to be able to pay for the goods in 3 instalment interest free Reviewed on: 27th June 2025

I have always been satisfied with the service I rece...

I have always been satisfied with the service I receive. Reviewed on: 27th June 2025

Paypal are clear

I have had good a good experience Reviewed on: 27th June 2025

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