Smart Money People Logo

PayPal: PayPal Credit reviews

4.90
Based on 107,899 reviews, last reviewed 15th May 2026
2631750% increase in 5 star reviews
in the past 90 days
7600% 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

If a retailer doesn't have Paypal, i wont use it. If a retailer doesn't have Paypal, i wont use it. For me, Paypal shows a retailer is creditable. Regularly use for purchases, i like the protection it... Read more Reviewed on: 15th May 2026
Rossco's avatar
Rossco

Latest lowest rating:

1

Watch out for hidden credit I bought a product from eBay with Paypal. The transaction was automatically put onto my PayPal credit balance that was previously at zero. I think it ... Read more Reviewed on: 14th May 2026
Andrew White's avatar
Andrew White

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 (107899)

Overall good.

4
Overall good. Had few problems regarding pay in 3 for couple of months, it seems it is fixed now Reviewed on: 27th April 2026

Versatile Purchasing experience.

5
Paypal credit is a flexible way to experience versatile purchasing. Reviewed on: 27th April 2026

PayPal always keeps you updated about deliveries you...

5
PayPal always keeps you updated about deliveries you are expecting from companies and if you have a issue with a company they help you Reviewed on: 27th April 2026

Would recomend

4
No issues so far, easy to use, good way to plan our finances and adjust when needed Reviewed on: 27th April 2026

I would say that my experience of PayPal has been good.

3
I would say that my experience of PayPal has been good. I feel that it provides me with an extra layer of security. It also gives me the freedom to spread my payments. Reviewed on: 27th April 2026

When I buy products online I always try to use PayPa...

5
When I buy products online I always try to use PayPal to pay for the products because it's so easy to use. Excellent service. Reviewed on: 27th April 2026

Quality over quantity

5
All I can say so far no regrets, happy with the service. Reviewed on: 27th April 2026

Benefits of PayPal credit

5
Love PayPal credit giving me the option of paying later as money not always readily available Reviewed on: 27th April 2026

Perfect for everything

5
What can i say is they are perfect in any way and for everything customer service friendly easy to get hold of them when you need to from day one I have the account they've been perfect for me would i recommend it definitely Reviewed on: 27th April 2026

Quick easy and simple with peace of mind spending

5
Quick easy and simple with peace of mind spending Reviewed on: 27th April 2026

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 4.93 from 51154 reviews
    PayPal
  • Payments

    from PayPal 4.91 from 3716 reviews
    PayPal
  • Credit card

    from PayPal 4.90 from 82 reviews
    PayPal
    View all products