Paid advertisement
Smart Money People Logo

PayPal: PayPal Credit reviews

4.74
Based on 117,186 reviews, last reviewed 30th May 2026
3060100% increase in 5 star reviews
in the past 90 days
9200% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

I have used PayPal for purchases as a safe way to bu... I have used PayPal for purchases as a safe way to buy what you need and either spread the cost or clear when the payment is due Reviewed on: 30th May 2026
Joss 's avatar
Joss

Latest lowest rating:

2

No real notification of due date for payments left s... No real notification of due date for payments left scars on my credit file Reviewed on: 30th May 2026
thorpesplumbing@hotmail.com's avatar
[email protected]

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.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience. Write a review

PayPal PayPal Credit reviews (117186)

Brilliant for an unplanned purchase

5
PayPal is by far and away the best credit provider I’ve dealt with. If you have an unexpected outlay (say a new washing machine) which you can’t afford outright, you get four months of free credit! Far better than my credit card provider! Thank goodness for PayPal!! Reviewed on: 13th June 2022

Interest free purchases.

5
4 months interest free credit on purchases over £99. A great offer and it never expires. Reviewed on: 13th June 2022

Easy to use

5
Accepted everywhere and easy to manage Reviewed on: 13th June 2022

Easy

5
PayPal credit makes paying for large orders manageable. I don’t even use my credit card because PayPal credit allows me to pay back over four months no interest! Reviewed on: 13th June 2022

Good

4
I will recommend it to everyone Reviewed on: 13th June 2022

Paypal is safe and quick

5
You can buy pay 3 plan with no intersest! Reviewed on: 13th June 2022

Just Works and 0%

5
Just works and 0% for 4 months is perfect for those little bit bigger purchases Reviewed on: 13th June 2022

Great Service

5
The Paypal credit service is truly amazing. I use it a lot as the 0% interest over 4 months which is great. Reviewed on: 13th June 2022

Convenient

4
A useful line of credit with a manageable credit limit Reviewed on: 13th June 2022

PAYPAL CREDIT

5
It really helps with payments and spreading costs over 4 months with no interest. It’s very good and convenient. PayPal customer service very accommodating and easy going too! Reviewed on: 13th June 2022

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience. Write a review