Write a review

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50804 reviews)

View other PayPal products

4.91

Based on 50,804 reviews, last reviewed 24th Aug 2025

99% decrease in 5 star reviews

in the past 90 days

100% 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

Read all reviews Write a 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.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.

Write a review

PayPal PayPal Credit reviews (50804)

Paypal Credit- Go for it!

Paypal Credit is a great initiative, especially in such a competitive market. The use of Paypal credit has been helpful and easy to apply and manage long term. Being able to track account details via the app is super helpful and accessible at all times. Would recommend to anyone struggling to pay off amounts in one lump sum! Reviewed on: 26th May 2025

A handy tool

PayPal credit is a handy tool for addressing exigencies. A good companion before the month end. Reviewed on: 26th May 2025

Easy to use

Very easy to use. Transactions are quick. I got my money back from a dishonest seller with PayPal. I love using PayPal Credit and Pay in 3 Reviewed on: 26th May 2025

I have been with PayPal for many years. I use PayP...

I have been with PayPal for 10 years now, I use PayPal numerous time and find it very useful to pay for items. Also I use PayPal credit and PayPal pay in 3 payments. It's very trustworthy online payment system. I would definitely recommend. Reviewed on: 26th May 2025

Always positive and reliable service

Always positive and reliable service Reviewed on: 26th May 2025

Saves money no overdraft fees.

Very convenient to use. Saves using my overdraft by using pay in 3. Love using PayPal credit for booking my holidays. Great way to send my family money. Reviewed on: 26th May 2025

PayPal credit was a game changer for me when I first...

PayPal credit was a game changer for me when I first signed up. I’m an early user of this, over time there are other credit sources such as Monzo Flex that compete but PayPal and Monzo Flex for me at both amazing and I have note owned an old school credit card since having these products. There is one thing that would make this amazing. A card you can use in shops where they do not accept PayPal as payment. That way the card would bridge the gap. Kinda like Monzo Flex and why I have referenced them. You guys had the market I believe until this and it’s the card that makes the difference. Reviewed on: 26th May 2025

PayPal has been very helpful when I .

PayPal has been very helpful when I . needed it.thank you Reviewed on: 26th May 2025

Best Credit experience

I have used Paypal since they started. I have always found it so easy to transfer money, make payments, and buy items or services, and Paypal credits allow me to do so without feel stressed about being able to afford what I love. Reviewed on: 26th May 2025

It serves it purpose and has done for many years.

It serves it purpose and has done for many years. Reviewed on: 26th May 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

Balance Transfer Credit Card
from Halifax 4.53 from 56 reviews
Hilton Honors Credit Card
from Barclaycard 4.17 from 11 reviews
Credit Card
from Ocean Finance 4.63 from 19 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.93 from 22351 reviews
Payment Provider
from PayPal 4.91 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