Paid advertisement
Smart Money People Logo
Newsletter
Go to business site
Share this page
Link copied

PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 147,219 reviews, last reviewed 1st Jul 2026
4429350% increase in 5 star reviews
in the past 90 days
12900% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Top Notch I feel very safe and secure when using PayPal. Quick and easy to use. You receive just the right amount of emails for what is required. Reviewed on: 1st July 2026
Sue's avatar
Sue

Latest lowest rating:

1

Love PayPal but not PayPal credit Great if you want it but difficult to cancel the PayPal credit. I think PayPal credit is purposefully confusing to hook people in. My mother didn’t re... Read more Reviewed on: 1st July 2026
Maria b's avatar
Maria b
Read all reviews See your review

About this product

PayPal Credit is a reusable digital credit line that can be added to your PayPal wallet and used for eligible online purchases.

Accepted at thousands of online retailers that offer PayPal at checkout, PayPal Credit is a flexible way to pay. Eligible purchases get PayPal’s encryption and 24/7 fraud monitoring, as well as Buyer Protection.

PayPal reviews help you find out what it’s really like to be a customer. If you’ve used PayPal before, you can also leave a review and share your experience.

PayPal PayPal Credit reviews (147223)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

5
Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024
Manjeet P's avatar
Manjeet P

Interest free options

5
I love the interest free option and PayPal availability on many websites. Reviewed on: 30th June 2026
Betty K's avatar
Betty K

Great and Convenient

5
Paypal Credit has been great to use and very customer friendly. Reviewed on: 30th June 2026
Annie T's avatar
Annie T

Brilliant!!.. PayPal Offers Fab Flexibility

5
Brilliant!!.. PayPal offers fab flexibility, with their pay in 3 option or 0% across 4 months. Having a large family this can be great over Christmas time or with any larger purchases. And sometimes with unexpected purchases, when a household item decides to give up on you. Reviewed on: 30th June 2026
Toria M's avatar
Toria M

Really easy to use.

5
Really easy to use. Any issues I’ve had have been resolved quickly (e.g. when I accidentally duplicated a payment and the second one bounced, they waived the failed payment fee). Reviewed on: 30th June 2026
Emily N's avatar
Emily N

PayPal is like a mother always there for you in your...

5
PayPal is like a mother always there for you in your times of needs and once very efficient very helpful never let you down thanks so much for you to be at my side in times of needs thanks again Reviewed on: 29th June 2026
Mark M's avatar
Mark M

Really easy to use.

5
Really easy to use. Pools is a great way to do collections. Reviewed on: 29th June 2026
Rosanne T's avatar
Rosanne T

Excellent service with flexible repayments

5
I’ve had a very positive experience with PayPal Credit. The application process was straightforward, and using it for purchases has been simple and convenient. The option to spread payments over time has been very helpful, especially for larger purchases, and the online account management is easy to use. Payments are processed quickly, statements are clear, and I’ve not experienced any issues with the service. As long as you make repayments on time and understand the terms, PayPal Credit is a useful and reliable way to manage purchases. I would happily recommend it to anyone looking for a flexible credit option. Reviewed on: 29th June 2026
Omid Nadeem's avatar
Omid Nadeem

My experience with PayPal customer service

5
My experience with PayPal customer service was positive. The representative was polite, listened carefully to my concern, and helped resolve my issue efficiently. The response time was reasonable, and I was satisfied with the support I received Reviewed on: 29th June 2026
Huong C's avatar
Huong C

Great service, i love how i can purchase and pay in...

5
Great service, i love how i can purchase and pay in 4 months Reviewed on: 29th June 2026
Michaela h's avatar
Michaela h

So simple to use, handy and flexible !

5
So simple to use, handy and flexible can be used jn so many ways and so many places, what's not to like. Reviewed on: 29th June 2026
Raymond B's avatar
Raymond B

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

Want to see more from PayPal?

  • Pay in 3

    from PayPal 4.76 from 78610 reviews
    PayPal

  • Payments

    from PayPal 4.71 from 3757 reviews
    PayPal

  • Credit card

    from PayPal 4.69 from 99 reviews
    PayPal
    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
    Man on beach

    News, guides and insight from our team

    View resource hub
    UK money news stories - 24 July 2024
    UK money news stories - 24 July 2024
    24th July 2024
    Posted in Money Talks by Errolyn Smith
    Your Money, Your Voice: Have your say
    Your Money, Your Voice: Have your say
    24th July 2024
    Posted in Our insights by Errolyn Smith
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    24th July 2024
    Posted in Our insights by Darryl Barkwill
    Consumer credit awards winners 2024
    Consumer credit awards winners 2024
    11th July 2024
    Posted in Awards by Darryl Barkwill