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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 22nd Jan 2026

50% decrease in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

An unusually long interest free period A four month interest free period is almost unprecedented, except for six or 12 months interest free periods on specific items with larger retailers. ... Read more Reviewed on: 22nd 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 (50807)

Review of the PayPal, PayPal Credit:

Excellent means of payment!

Excellent means of payment! Everything simple and easy Reviewed on: 4th June 2024

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

Thank you for this amazing opportunity!

I’ve had such a positive experience with PayPal Credit — it’s been a real help during moments when I needed extra flexibility. Thank you! Everything is clear and easy to manage, and I always feel safe and supported using it. It's rare to find a service that feels both professional and genuinely human. They are great in customer service and reply and assist when needed. I’m so grateful for how it’s helped me stay on top of things, especially during those tight months — and that peace of mind really means a lot. I’d be truly happy to see PayPal Credit win again because it’s so well-deserved. Fingers crossed, and what an amazing opportunity it is. Thank you all so much, and good luck in the awards! Reviewed on: 27th June 2025

Always There, PayPal.

PayPal has been my go when I'm short of funds and need to purchase something in , pay in 3. I also use PayPal as my preferred payment when shopping online. All in all PayPal is there always there when I need them. Reviewed on: 27th June 2025

Very handy for unexpected costs, easy to use and nic...

Very handy for unexpected costs, easy to use and nice that it is flexible would recommend to family and friends. Reviewed on: 27th June 2025

Easy to use

It is a very good service to use, very easy to use and efficient. It’s very easy to use for apps and payments. However it is hard to pay for individual transactions. I wasn’t aware that I can’t pay for an individual transaction that was ‘paying it back in 4 months interest free’ until I paid back all other transactions that happened after. But I have and still would recommend to people to use. Reviewed on: 26th June 2025

Very prompt easy to use great costumer service good...

Very prompt easy to use great costumer service good rate of interest woanderfool service Reviewed on: 26th June 2025

Have had paypal credit for years and have never had...

Have had paypal credit for years and have never had an issue using paypal and always have paypal customer support when needed Reviewed on: 26th June 2025

I'm able to buy what !I want now and p...

It's good that I'm able to buy what I want now and pay later I.e by spreading the cost over some months or pay in 3 with no interest Reviewed on: 26th June 2025

Always there for support

Always willing to help friendly and good at there job Reviewed on: 25th June 2025

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