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 134,173 reviews, last reviewed 11th Jun 2026
3835500% increase in 5 star reviews
in the past 90 days
10750% 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

Always there. Always there if you need that bit extra for bills, shopping or simply wish to make online payments...PayPal is always there for you. Reviewed on: 11th June 2026
Phil_ M7BVV's avatar
Phil_ M7BVV

Latest lowest rating:

2

Paypal credit limit is frustrating Paypal credit limit is frustrating Reviewed on: 10th June 2026
Mahdi's avatar
Mahdi
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 (134173)

My experience has been very good they sort out my pr...

5
My experience has been very good they sort out my problems straight away and they are very good when you have had a scam Reviewed on: 9th June 2026
Joanne Yates's avatar
Joanne Yates

A Convenient and Flexible Way to Manage Purchases

5
PayPal Credit is an excellent financing option for shoppers who want greater flexibility when making purchases online. As a digital credit line integrated directly into the PayPal checkout process, it provides a seamless and convenient way to spread the cost of purchases without the hassle of applying for a traditional credit card. One of the standout features of PayPal Credit is its ease of use. The application process is quick, and once approved, customers can use it instantly at millions of online retailers that accept PayPal. This makes it a practical solution for both planned purchases and unexpected expenses. Another major advantage is the availability of promotional financing offers on qualifying purchases, allowing users to manage larger expenses more comfortably. The platform is user-friendly, with clear account management tools that help customers track balances, payments, and available credit. Security is also a strong point. Since transactions are processed through PayPal, users benefit from the company’s established security measures and buyer protection features, providing additional peace of mind when shopping online. Customer service and account accessibility are generally reliable, and the ability to make payments online or through the PayPal app adds further convenience. Overall, PayPal Credit is a valuable financial tool for responsible borrowers who want flexibility, convenience, and secure online purchasing. Whether you’re buying everyday essentials or making larger purchases, PayPal Credit offers a straightforward and efficient way to manage your spending. Highly recommended for anyone looking for a simple, flexible, and secure online credit solution. Reviewed on: 9th June 2026
NewPhenom's avatar
NewPhenom

I found PayPal credit useful however struggled to ad...

3
I found PayPal credit useful however struggled to add card to Apple Pay and it took a while for the value to update. Reviewed on: 9th June 2026
A M's avatar
A M

PayPal credit has always been easy to use.

5
PayPal credit has always been easy to use. Reviewed on: 9th June 2026
mark gilbert's avatar
mark gilbert

PayPal It’s very convenient and secure.

5
PayPal It’s very convenient and secure. Reviewed on: 9th June 2026
Rotari Oleg's avatar
Rotari Oleg

constomer service agent

5
i have had a need to talk to a coustomer service agent, he was knowledgeable and was able to resolve my concerns. Reviewed on: 9th June 2026
Anulika's avatar
Anulika

I have always used PayPal

5
I have always used PayPal and never had any issues. It is very convenient and easy to use for anyone any age. Reviewed on: 9th June 2026
Saira K's avatar
Saira K

Easy transactions and setting your preferences.

5
Easy transactions and setting your preferences. Online support could be improved by having a real person to contact but still does the job. Reviewed on: 9th June 2026
Christine Fergus Cumberton's avatar
Christine Fergus Cumberton

Easy, and the app is amazing and straightforward...

5
Easy to use and the app is amazing and straightforward Reviewed on: 9th June 2026
Heidi O's avatar
Heidi O

Great flexibility

5
Great that you have the flexibility interest free option when making certain purchases. Reviewed on: 9th June 2026
Sharon G's avatar
Sharon 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