Write a review

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50182 reviews)

View other PayPal products

4.91

Based on 50,182 reviews, last reviewed 2nd Jun 2025

1786000% increase in 5 star reviews

in the past 90 days

1400% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Good customer service Twice, the suppliers let me down and PayPal got involved and got my money back Reviewed on: 2nd June 2025

Latest lowest rating:

1

I had a very bad experience as they suddenly stopped... I had a very bad experience as they suddenly stopped my 3 payment plan without an obvious reason and when I contacted them about it they said we don't... Read more Reviewed on: 2nd June 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 (50182)

Review of the PayPal, PayPal Credit:

Efficient and easy to access.

Efficient and easy to access. Manageable repayments. Reviewed on: 27th May 2025

Good customer service

Twice, the suppliers let me down and PayPal got involved and got my money back Reviewed on: 2nd June 2025

Easy to use

Easy to use. I use it regularly. Reviewed on: 2nd June 2025

Great app, very easy to use.

Great app, very easy to use. Very easy to buy things online, feels very secure too. Reviewed on: 2nd June 2025

Knights in shining armour

I've had to contact PayPal a few times, due to eBay issues and other online merchant hiccups, and every time I was helped, effectively and efficiently, I honestly feel safer shopping with PayPal, you feel protected. They are very easy to use and your money and funds are secure. I always use PayPal if the option exists. Reviewed on: 2nd June 2025

Always using PayPal

Never an issue. Always feels safe and secure. Reviewed on: 2nd June 2025

PayPal Credit is a useful digital credit

PayPal Credit is a useful digital credit line for online shoppers in the UK. It’s easy to apply if you have a PayPal account and often offers 0% interest for 4 months on purchases over £99. There’s no annual fee, and it’s accepted by most online retailers that support PayPal. However, the interest rate after the promotional period is quite high, and since there is no physical card, it’s mainly intended for online use. Customer service experiences can be mixed but gotten good experiences so far. Best for: UK users who shop online regularly and can repay within the interest-free period. Reviewed on: 2nd June 2025

Always resolve issues promptly excellent service

Always resolve issues promptly with excellent customer service. Would recommend to amnyone Reviewed on: 2nd June 2025

Amazing very reliable.

Amazing very reliable..I have used PayPal for so many years it's so easy and efficient.It's very trustworthy very prompt I have never had a issue..and now it's even better with the new things coming out. Reviewed on: 2nd June 2025

I was scammed but PayPal helped me refund my money.

I have once bought a powder from Eshiko based in Japan. It turned out to be a scam and PayPal helped me sort it out quickly without any further problems. Reviewed on: 2nd June 2025

PayPal credit makes affording the big things affordable

I have found pay pal to be the best way to pay for services online securely if there are any issues with an order they can step in and help with refunds. The pay pal credit feature is great I don’t think I’d have been to afford a lot of the tech now if I hadn’t been able to use pay pal credit. It makes affording the big things affordable. Reviewed on: 2nd 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

Advance Credit Card
from Lloyds Bank 3.96 from 58 reviews
Select Credit Card
from Nationwide 4.87 from 9 reviews
Credit Card
from Allied Irish Bank - AIB 3.42 from 6 reviews

There's still more to see!

PayPal has a range of products available. Check the ratings of each product to find the right one for you. 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