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

PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 107,228 reviews, last reviewed 14th May 2026
2601200% 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

Convenience of paying interest free over 4 months. Convenience of paying interest free over 4 months. Been using for few years and find it better than using credit for longer period and with high inter... Read more Reviewed on: 14th May 2026
Anne D's avatar
Anne D

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
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 (107228)

Easy and reliable

5
Use it all the time. Easy and reliable. Reviewed on: 26th April 2026
Oleg's avatar
Oleg

Great interest free options

5
PayPal have great interest free options for lager purchases which make buying more expensive items easier as you can spread the cost without the worry of high interest rates. Plus you get an added layer of protection when you pay with PayPal. Highly recommend their services Reviewed on: 26th April 2026
Beckyboo492's avatar
Beckyboo492

Fantastic service.

5
Fantastic service. Super helpful when calling customer service. The App is easy use. Reviewed on: 26th April 2026
Kim D's avatar
Kim D

I've been using it for 20 years and have never had a...

5
I've been using it for 20 years and have never had any problems. The credit line is very useful. I highly recommend it. Reviewed on: 26th April 2026
Piotr 's avatar
Piotr

Love PayPal

5
Peace of mind using PayPal and never had any issues Reviewed on: 26th April 2026
Lynn P's avatar
Lynn P

Good financial support.

5
The experience I have since I have been using PayPal as a financial support is a mixed experience, it has been good and bad, there are transactions I was cheated by the merchant but PayPal could not settle it in my favour, when they clearly cheated me, that was a bad experience for me because it is a huge amount of over £300 and I am still struggling to pay the debt back up till now. Reviewed on: 26th April 2026
Adek O's avatar
Adek O

Brilliant, very easy to use and easy to make payments.

5
Brilliant, very easy to use and easy to make payments. Reviewed on: 26th April 2026
Carice B's avatar
Carice B

Have always found PayPal easy to use.

5
Have always found PayPal easy to use.Additionally,it has no hidden charges as long as you make your payments on time. Reviewed on: 26th April 2026
Munyaradzi's avatar
Munyaradzi

Quick and easy !

5
Quick and easy ! No fuss! All at the touch of a keypad! Reviewed on: 26th April 2026
Shaun Fields 's avatar
Shaun Fields

Excellent service, life changing for me and my horse

5
Excellent service enabling me to pay for things in instalments like my saddle thanks enabled me to qualify for the petplan area festivals plan area festival. The purchase of the saddle has been life changing to my self and my horse. I couldn’t have purchased it without PayPal thank you Reviewed on: 26th April 2026
Melanie Holley's avatar
Melanie Holley

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