Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50806 reviews)

View other PayPal products

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

Read all reviews See your review

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

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

Quick answer for credit

Such help when buying things outside my immediate budget. Reviewed on: 27th June 2025

Excellent Service .

Always positive my go to when buying online. Love the flexibility options which can really help with large purchases Reviewed on: 27th June 2025

Safe, reliable, excellent service

I always use PayPal for my online transaction Reviewed on: 27th June 2025

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Credit Card
from thinkmoney 1.40 from 2 reviews
Flexicard
from Halifax 4.57 from 5 reviews
Balance Plus
from Capital One 3.56 from 3 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.93 from 22350 reviews
Payment Provider
from PayPal 4.92 from 3599 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub