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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (49823 reviews)

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4.91

Based on 49,823 reviews, last reviewed 1st Jun 2025

1753300% increase in 5 star reviews

in the past 90 days

1367% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

It's easy, convenient and no interest charges It's easy, convenient and the ability to spread the cost of more expensive products without having to pay any interest is highly beneficial Reviewed on: 1st June 2025

Latest lowest rating:

1

Poor customer service not responding well Poor customer service not responding well Reviewed on: 30th May 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.

PayPal PayPal Credit reviews (49823)

Review of the PayPal, PayPal Credit:

Convenient and Flexible, But Use With Discipline

I’ve been using PayPal Credit for a few years now and it’s been a useful tool — especially for spreading out larger purchases without interest (as long as you clear the balance in the offer window). One of the standout features is the 0% interest for 4 months on purchases over a certain amount, which can be really helpful if you’re managing cash flow. The application process was simple and the integration with PayPal makes it very easy to use — you just check out as normal and select PayPal Credit. The interface is clear and payments are easy to track, with reminders and notifications that help you stay on top of it. That said, the standard interest rate is quite high if you don’t pay off the balance within the 0% period, so it’s important to be disciplined. It’s also not accepted outside of PayPal, so you’re limited to merchants that support it. Overall, I’d recommend it if you’re confident you can pay things off within the interest-free period — it’s convenient, fast and flexible. But it’s not a long-term borrowing solution. Use it wisely and it works well. Reviewed on: 29th May 2025

It's easy, convenient and no interest charges

It's easy, convenient and the ability to spread the cost of more expensive products without having to pay any interest is highly beneficial Reviewed on: 1st June 2025

PayPal Credit, always there when I need it.

Since I got PayPal credit tha it's been a great help for those months when things are tight. I can choose to pay off the total amount or according to my monthly affordability. That's how PayPal Credit flexibility is Reviewed on: 31st May 2025

Been using PayPal for many years

Been using PayPal for many years now and it has always been my preferred way to pay, I always feel better making online purchases that allow PayPal as their policy makes me feel confident when buying online. Reviewed on: 31st May 2025

Easy to use

Easy to use, available for most online purchases and safe way of paying. Reviewed on: 31st May 2025

Easy, seamless and quick.

Easy, seamless and quick. It has mad my online shopping experience quite easy, especially where Im not sure about the merchant i always yes PayPal as I know my money and transactions are safe. Reviewed on: 31st May 2025

Convenient, Quick, and Worth It

I wasn’t sure about using PayPal Credit at first, but I’ve actually been pleasantly surprised. The application was super easy, and the credit was available instantly — no complicated forms or long waits. It came in handy during a month when I had extra expenses and needed some flexibility without reaching for a traditional credit card. What I really appreciate is how seamlessly it integrates with my PayPal account — you barely notice you’re using credit, which is both a pro and a con. It’s convenient, but you do have to stay mindful of what you’re spending. Interest rates can be quite high if you don’t pay things off quickly, so I treat it more like a short-term backup plan rather than a regular way to shop. Overall, it’s a solid option if used responsibly. It gave me peace of mind when I needed it, and I’d recommend it to anyone who’s good at managing their budget. Reviewed on: 31st May 2025

Great service with brilliant communication regards t...

Great service with brilliant communication regards to finances and help when required. Reviewed on: 31st May 2025

Amazing experience, feel supported with all the way...

Amazing experience, feel supported with all the way throughout my experience Reviewed on: 31st May 2025

Very difficult to find someone to talk to

Very difficult to find someone to talk to Reviewed on: 31st May 2025

Reliable service and safe to use.

Reliable service and safe to use. Reviewed on: 31st May 2025

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