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

PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 181,152 reviews, last reviewed 19th Sep 2026
61% decrease in 5 star reviews
in the past 90 days
48% decrease 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

PayPal is the best to use on line I am always ready to use PayPal as it is convenient, easy to use on the go. I have always bought my travel tickets knowing if there is a problem, the ... Read more Reviewed on: 19th September 2026
Angela Byakwaga's avatar
Angela Byakwaga

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd July 2026
Bianca Vlascu's avatar
Bianca Vlascu
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 (181152)

Always available for payment, accurate

5
Always available for payment, accurate Reviewed on: 6th July 2026
Trevor Jenkins's avatar
Trevor Jenkins

I’m happy about my experience with paypal credit it...

5
I’m happy about my experience with paypal credit it helps my with my finances really lots as I struggle with money. Reviewed on: 6th July 2026
Nivar's avatar
Nivar

Have used credit a few times it helps me to sort my...

5
Have used credit a few times it helps me to sort my money out Reviewed on: 6th July 2026
SUSAN Kitson's avatar
SUSAN Kitson

PayPal Credit has completely transformed how I manag...

5
PayPal Credit has completely transformed how I manage my larger purchases, offering a level of financial flexibility that traditional credit options simply cannot match. The integration into my existing PayPal account made the setup process incredibly fast and straightforward, with no complicated paperwork or stressful waiting periods.What sets them apart as the Best Retail Finance Provider is the consistent reliability and transparency of their service. The 0% interest offer for 4 months on purchases over £99 is an exceptional feature, allowing me to spread costs safely without worrying about hidden fees or sudden interest spikes. Managing payments through the app is highly intuitive, providing clear due-date reminders and instant balance updates that keep me completely in control of my budget.Whenever I need to split a cost at checkout, the transaction is instant, secure, and accepted at thousands of my favorite online stores. Their customer service has been equally fantastic—clear, responsive, and always helpful. PayPal Credit delivers a modern, secure, and genuinely customer-first finance solution that I trust completely and highly recommend. Reviewed on: 6th July 2026
Anthony S's avatar
Anthony S

Delivery was quick customer service was efficient

5
Delivery was quick customer service was efficient Reviewed on: 6th July 2026
Aamer n's avatar
Aamer n

Great company and very useful app.

5
Great company and very useful app. Reviewed on: 6th July 2026
Roger Sharples's avatar
Roger Sharples

Great company and very useful app.

5
Great company and very useful app. Reviewed on: 6th July 2026
Roger Sharples's avatar
Roger Sharples

"PayPal is one of the most trusted payment platforms...

5
"PayPal is one of the most trusted payment platforms I've used. Setting up an account was simple, and managing transactions is straightforward. I appreciate the strong security measures, quick payment processing, and the convenience of using it for both online shopping and sending money to friends and family. Overall, it's been a dependable service that I would gladly recommend." Reviewed on: 6th July 2026
Muhammad Q's avatar
Muhammad Q

Much appreciated service

5
PayPal credit is so helpful when you need extra money, especially with 0% interest when you spend bigger amounts. Reviewed on: 6th July 2026
W. 's avatar
W.

Highly recommend

5
I have used this credit card which has been very user friendly and competent Reviewed on: 6th July 2026
Sharon Nicolson's avatar
Sharon Nicolson

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 101307 reviews
    PayPal

  • Payments

    from PayPal 4.72 from 3854 reviews
    PayPal

  • Credit card

    from PayPal 4.66 from 126 reviews
    PayPal
    View all products

    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