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

PayPal: PayPal Credit reviews

View other PayPal products
4.74
Based on 131,365 reviews, last reviewed 9th Jun 2026
3708400% increase in 5 star reviews
in the past 90 days
10550% 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

Working well and manageble using the app Working well and manageble using the app Reviewed on: 9th June 2026
Zoe B's avatar
Zoe B

Latest lowest rating:

1

card refused abroad i went on holiday to Spain and tried to pay for my apartment with my card and it was declined, it was only £380, it was very embarrassing and so i a... Read more Reviewed on: 9th June 2026
sarojo's avatar
sarojo
Read all reviews Write a 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.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

PayPal PayPal Credit reviews (131365)

Great product

5
I used PayPal credit to purchase an item, to help spread the cost I couldn't believe how easy and quick it was to set up. Definitely will be using again and again for future purchases. Reviewed on: 31st July 2023
J Creighton 's avatar
J Creighton

Amazing credit option.

5
I stumbled upon PayPal Credit, and it is the best credit option I ever had. Spend over £99 and pay interest free for 4 months. This works perfectly well for me. They send reminders regularly. I always look out for PayPal credit options when I make purchases online. I can't fault it at all. I recommend this, it is better than a credit card in my own opinion. Reviewed on: 31st July 2023
Evelyn S's avatar
Evelyn S

Good service

5
Easy to use and very secure in line Reviewed on: 31st July 2023
Geoffrey Nadin's avatar
Geoffrey Nadin

Pay in 4 months

5
Purchased my new laptop over four months. Interest free ! Can't fault it ! Reviewed on: 31st July 2023
I zonkyou's avatar
I zonkyou

Happy customer

5
Always easy to pay and keep track, the best online platform to review account and so much easier than other providers Reviewed on: 31st July 2023
Genna B's avatar
Genna B

Paypal credit is amazing. You get 0% for 4 months for any purchases made online over £99. The app makes it easy to remember when you have to repay back any of your facilities. It's convenient and easy

5
I have had paypal credit for a little over 4 years now. Application was easy and I have had credit limit increases yearly. The only down side is that you don't have a physical card. Reviewed on: 31st July 2023
Tayamika Kamwanja Zabula's avatar
Tayamika Kamwanja Zabula

4 months interest free option over £99

5
For a company to offer interest free credit over 4 months for purchases over £99 with no join up fee or small print clauses is truly remarkable. It makes those purchases that you may put off affordable. You also feel a high degree of security for purchases from outlets such as E- bay. I 100% recommend PayPal Reviewed on: 31st July 2023
Fred Watts's avatar
Fred Watts

Easy-going 4 months no free Interest

5
Unlike most providers, What I love about Paypal is that you have time to pay your payments for any purchases without having to pay interest within the 4 month mark and I am always paying within that time frame. And if you ever do need any help or anything the support desk is quick to get back to you Reviewed on: 31st July 2023
Sana _'s avatar
Sana _

Very nice and easy to use

5
Using PayPal credit card is easy and affordable free interest rate for the next 4 months. I recommend everyone to be part or join PayPal credit cards Reviewed on: 31st July 2023
Sam Paul's avatar
Sam Paul

Life saver

5
I was impressed on how quick and easy was to apply for PayPal credit. The option of 0% interest credit makes it more appealing for me personally. Reviewed on: 31st July 2023
Walid Ghachi's avatar
Walid Ghachi

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

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