Paid advertisement
Smart Money People Logo
Newsletter

PayPal: PayPal Credit reviews

4.74
Based on 133,593 reviews, last reviewed 10th Jun 2026
3809300% increase in 5 star reviews
in the past 90 days
10700% 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

My only credit card for a reason! Very clear, any questions I have needed have been answered fast and efficiently. Highly recommend Reviewed on: 10th June 2026
Michael h's avatar
Michael h

Latest lowest rating:

2

Making payments has been fiddly and confusing. Making payments has been fiddly and confusing. I never miss payment so any other accounts but this one has been problematic Reviewed on: 10th June 2026
Lucy E's avatar
Lucy E

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 (133593)

Transparent and easy to manage repayment

5
Transparent and easy to manage repayments interest free for up to 4 months helps with affordability. Used constantly for larger purchases and holidays. Reviewed on: 9th June 2026

Easy To Use

5
As with all things Paypal, this service has been very easy to use. Reviewed on: 9th June 2026

Easy way of paying online by credit card

5
I use Paypal as an easy way of paying online by credit card and it works well. The drawback is that you don't get the same protection as you would if you used the card stand-alone, so you have to take the value in to account before choosing to use Paypal. Reviewed on: 9th June 2026

Always a great choice.

5
Always a great choice. Guaranteed a secure transaction with multiple options available. Reviewed on: 9th June 2026

Safety of paying via PayPal

5
I like the safety of paying via PayPal as I don’t expose my personal payment details. Reviewed on: 9th June 2026

Great service

5
Very flexible and notify when payments are due. Understanding if payments are missed Reviewed on: 9th June 2026

No interest payments, no reason not to.

4
I use PayPal Credit to buy things online without having to outlay a large amount up front. No interest payments so it doesn't cost me to do so. Automatic payments so I can just forget about it. Reviewed on: 9th June 2026

Having used PayPal for over 2 decades and never had...

5
Having used PayPal for over 2 decades and never had any issues, i can’t say anything negative Reviewed on: 9th June 2026

great and always safe with my purchases

5
great and always safe with my purchases Reviewed on: 9th June 2026

First Class

5
Easy to apply, easy to use and widely accepted. Reviewed on: 9th June 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 4.76 from 64602 reviews
    PayPal
  • Payments

    from PayPal 4.73 from 3745 reviews
    PayPal
  • Credit card

    from PayPal 4.71 from 96 reviews
    PayPal
    View all products