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 59,323 reviews, last reviewed 12th Apr 2026
784600% increase in 5 star reviews
in the past 90 days
2700% 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

Effective and easy to use PayPal Credit is a very effective and easy way to manage daily bills and finances Reviewed on: 12th April 2026
David J's avatar
David J

Latest lowest rating:

1

Using PayPal Credit feels unnecessarily slow and fru... Using PayPal Credit feels unnecessarily slow and frustrating, especially in a digital age where transactions should be processed instantly. When I mak... Read more Reviewed on: 12th April 2026
Ksgrg's avatar
Ksgrg
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 (59323)

A Handy Backup For Instant Credit

5
I have used paypal credit in the pass, and I am still using it. It comes in handy for me, when I am going through a shortage of finance. There are times when I want to use it to pay for larger items, but on some sites when I have wanted to use Paypal credit, it is not clear where I can access it, or if they use it, which is a bit annoying, and I end up using my overdraft on my debit card. But it's still very useful to have as a backup. Reviewed on: 26th May 2025
Joanna Brown's avatar
Joanna Brown

(Susie18)

5
Always great way to. Buy things and easiest wau Reviewed on: 26th May 2025
Kerry H's avatar
Kerry H

I have only had good experiences with PayPal, I have...

5
I have only had good experiences with PayPal, I have nothing negative to say about the service. Reviewed on: 26th May 2025
Susan G's avatar
Susan G

Very smooth and simple to use.

5
Very smooth and simple to use. No changes needed here. Reviewed on: 26th May 2025
Greg H's avatar
Greg H

Superb service.

5
Superb service. Very easy to manage. Reviewed on: 26th May 2025
Stephen C's avatar
Stephen C

No nonsense app which continues to be outstanding.

5
No nonsense app which continues to be outstanding. Reviewed on: 26th May 2025
Stebro's avatar
Stebro

Great for Online Shopping

5
PayPal makes buying things online quick, easy, and secure. I love not having to enter my card details every time, and the buyer protection gives me confidence when shopping from new sites. It’s my go-to for safe and hassle-free purchases. Reviewed on: 26th May 2025
Monica 's avatar
Monica

PayPal offer very good interest free deals.

5
PayPal offer very good interest free deals. Payment plans and options. Very easy to use and setup at point of purchase on a vary wide selection of websites Reviewed on: 26th May 2025
Jason R's avatar
Jason R

PayPal is easy to use when buying goods online

5
PayPal is easy to use when buying goods online and for sending or transferring money. PayPal Credit also lets you pay back monthly which eases payments Reviewed on: 26th May 2025
Laurence K's avatar
Laurence K

Customer service is great, simple and easy.

5
Customer service is great, simple and easy. Fantastic! Reviewed on: 26th May 2025
Lucy G's avatar
Lucy G

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