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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50805 reviews)

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4.91

Based on 50,805 reviews, last reviewed 29th Oct 2025

100% 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

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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 (50805)

Always great

Always great, if I’ve had an issue very quickly resolved. Reviewed on: 26th May 2025

Always great service ,even when issues arise.

Always great service ,even when issues arise. Reviewed on: 26th May 2025

Good offer rates, easy to set up, great for emergenc...

Good offer rates, easy to set up, great for emergencies. Have had the account for a few years and never had any issues at all. Pay off in installments, they offer interest free credit sometimes too. Everything helps. Reviewed on: 26th May 2025

PayPal Credit have been extremely helpful in providi...

PayPal Credit have been extremely helpful in providing a quick short term solution to offering credit facilities, all whilst maintaining great low interest rates and reliable support staff (should you need it) Reviewed on: 26th May 2025

Safe secure you can trust and not worry about scamme...

Safe secure you can trust and not worry about scammer's Reviewed on: 26th May 2025

I used PayPal for most online shopping.

I used PayPal for most online shopping. I also used the 0apr offer for a pc, and sometimes the pay in 3 or pay later when available to give me some flexibility. Reviewed on: 26th May 2025

Great experience customer service is great too

Great experience customer service is great too Reviewed on: 26th May 2025

Excellent service interest free payment.

Excellent service interest free payment. Reviewed on: 26th May 2025

Excellent service

PayPal is always there for me when I need too make purchases through the year there service is quick and easy to use and these are the reasons why I use this incredible company Reviewed on: 26th May 2025

A Convenient But Pricey Credit Option

I’ve been using PayPal Credit for a few months now, mainly for spreading the cost of larger purchases. The application process was straightforward, and the integration with my PayPal account makes it easy to manage repayments and keep track of my spending. The interest-free period is useful, but once that ends, the interest rate is quite high—so you need to be careful not to carry a balance too long. I appreciate the payment reminders and transparency around due dates. However, I’d like to see more flexible repayment options and lower interest rates after the promotional period. Overall, it’s a helpful tool if used responsibly, but you really need to stay on top of your payments to avoid expensive charges. Reviewed on: 26th May 2025

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