Write a review

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50605 reviews)

View other PayPal products

4.91

Based on 50,605 reviews, last reviewed 11th Jun 2025

1824200% increase in 5 star reviews

in the past 90 days

1500% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

I've always had pleasant customer experiences with P... I've always had pleasant customer experiences with PayPal, one time I reported a transaction I didn't recognize on my account and it was immediately s... Read more Reviewed on: 11th June 2025

Latest lowest rating:

1

totally disappointed I don't recommend I had £250 be... totally disappointed I don't recommend I had £250 before and they turned me down for no reason it's utter idiocy they are insufferable and racist Reviewed on: 9th 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 (50605)

Review of the PayPal, PayPal Credit:

Best

Pay pal is flexible for me and I use it online Reviewed on: 8th July 2022

I've always had pleasant customer experiences with P...

I've always had pleasant customer experiences with PayPal, one time I reported a transaction I didn't recognize on my account and it was immediately sorted and I received a refund promptly Reviewed on: 11th June 2025

Paypal credit

Paypal has always been easy to use, everything is simple and the offers and options they offer are brilliant. Pay in 3? Pay in 4 months 0% interest? Pay in monthly installments ranging between 6-36 month? Paypal got you covered for it all. Reviewed on: 11th June 2025

It’s been seem less and effortless using PayPal, eve...

It’s been seem less and effortless using PayPal, everything is on the go the moment you process your transaction, no delays at all. Reviewed on: 11th June 2025

Very handy and useful integrated within many sites a...

Very handy and useful integrated within many sites and platforms Reviewed on: 11th June 2025

Very easy and convenient to use, especially the pay...

Very easy and convenient to use, especially the pay in 3 option which has been very handy for myself. Reviewed on: 11th June 2025

Very good service that has lots of use cases with ma...

Very good service that has lots of use cases with many businesses and vendors accepting it. Good for a rainy day situation! Reviewed on: 11th June 2025

Low interest

I've been using PayPal credit for awhile now. It's flexible and the low interest. I can easily manage my direct debit Reviewed on: 11th June 2025

All good in general, I’m strongly recommending PayPa...

All good in general, I’m strongly recommending PayPal for everyone Reviewed on: 11th June 2025

Convenient and Easy to Use, but Watch the Interest

I’ve used PayPal Credit for book flight tickets purchases over the past year. The application process was quick and approval was instant. I particularly like the 0% interest on purchases over a certain amount if paid within the promotional period — it’s a helpful budgeting tool. The integration with my PayPal account is seamless, and I receive clear monthly statements. However, the interest rates after the promotional period are quite high, so it’s essential to pay off the balance in time. Overall, a convenient option if managed carefully Reviewed on: 11th June 2025

Nice easy to use service

Really easy to use and the pay in 3 feature is an excellent addition Reviewed on: 11th 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

Everyday Credit Card
from Creation 2.53 from 18 reviews
Credit Card
from first direct 4.07 from 26 reviews
Credit Building Credit Card
from Vanquis 4.76 from 16744 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