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

PayPal: PayPal Credit reviews

View other PayPal products
4.91
Based on 57,806 reviews, last reviewed 9th Apr 2026
646600% increase in 5 star reviews
in the past 90 days
2000% 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

Quick response I had a good experience with Paypal, the positive impact was related to quick response I got from your website. Reviewed on: 9th April 2026
Atieh D's avatar
Atieh D

Latest lowest rating:

1

Regular credit checks nonexistent PayPal states they do regular checks to increase credit limit. I think the AI software is not working properly. All the other credit companies increas... Read more Reviewed on: 8th April 2026
MT's avatar
MT
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 (57806)

Refund to PayPal Credit should be improved

4
I think generally PayPal Credit is very convenient to use, but I hope the their refund services could be improved. Sometimes I've been told that the merchant has already issued the refund but it takes days to reflect on PayPal Credit. Reviewed on: 26th May 2025
Yiming M's avatar
Yiming M

Simple and easy to use

5
Simple and easy to use, I split all payments over 100 into 3 I teredt free payments via PayPal credit Reviewed on: 26th May 2025
Jonny G's avatar
Jonny G

Easy to sort credit with PayPal and organise repayme...

5
Easy to sort credit with PayPal and organise repayments. Reviewed on: 26th May 2025
Stewart Kerr's avatar
Stewart Kerr

Efficiency at its best

5
Excellent fast effective and no nonsense jargon used! Just plain simple English Reviewed on: 26th May 2025
Sunshine's avatar
Sunshine

Great company, very helpful and good customer service.

5
Great company, very helpful and good customer service. Very reliable and easy to contact and communicate with. Reviewed on: 26th May 2025
Holly's avatar
Holly

I've been using PayPal for a while and I don't have...

5
I've been using PayPal for a while and I don't have any issues with them at all, if I have had a problem they have helped me out immediately, absolutely fantastic service in my opinion Reviewed on: 26th May 2025
Kevin H's avatar
Kevin H

Paypal Credit, the gold standard of Credit.

5
Paypal Credit is the best form of credit. I don't own a credit card with my bank, I just use Paypal Credit because it is so flexible and I can practically use it ANYWHERE online. Paypal Credit along with Paypal pay-in-3 are really amazing. I've been with paypal for around 10 years now and I've always used it, it's helped build my credit score to the highest bracket which is really really good for my age so thankyou Paypal! They don't pressure you to make payments. As well as that, anything you buy with Paypal Credit that is above £100, they allow you 4 interest free months to pay it back! This is hands down the best form of Credit available. The only thing I could suggest for Paypal is to make a credit card! Personally, I wouldn't use it or own one, mainly because I never buy things in person that require credit, it's always online, however, for people who frequently use credit cards I believe Paypal Credit card could be a really good investment for the business to push it to that next level. Reviewed on: 26th May 2025
Sam's avatar
Sam

All good.

5
All good, all professional, all helpful, all easily understood. Reviewed on: 26th May 2025
Shaun C's avatar
Shaun C

I have taken out loans through PayPal many times and...

5
I have taken out loans through PayPal many times and am very happy with their service and interest rate. Reviewed on: 26th May 2025
Arturs O's avatar
Arturs O

Easy to use, no problems.

5
Easy to use, no problems. Can have a mini loan in effect by paying monthly Reviewed on: 26th May 2025
Catryn D's avatar
Catryn D

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