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 181,149 reviews, last reviewed 14th Sep 2026
55% decrease in 5 star reviews
in the past 90 days
40% 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

Excellent service Paypal credit Excellent service and customer satisfaction Reviewed on: 14th September 2026
Simon Cassidy's avatar
Simon Cassidy

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 (181149)

Easy to use .

5
Easy to use . Can navigate around the app well. Keeps bill paying neat and tidy Reviewed on: 6th July 2026
Rebecca Stoker's avatar
Rebecca Stoker

Best credit card.

5
Best credit card. Flexible. Good customer servixe Reviewed on: 6th July 2026
Ahmed M's avatar
Ahmed M

PayPal Credit is convenient

5
PayPal Credit is a convenient financing option for online purchases, especially if you already use PayPal regularly. The application process is straightforward, and the ability to spread payments over time can be helpful for managing larger purchases. The online account management tools are easy to use, and payments can be made quickly through the PayPal platform. Reviewed on: 6th July 2026
Lisa P's avatar
Lisa P

Handy for spreading costs, just keep an eye on interest

5
I've used PayPal Credit for a while now and overall it does what it promises. The biggest plus is how seamlessly it's built into the PayPal checkout, when you're already paying with PayPal, splitting a purchase or pushing it onto credit takes a couple of taps, with no separate card to dig out. The 0% offers on larger purchases are genuinely useful if you're disciplined about clearing them before the promo period ends. The main drawback is the standard interest rate, which is on the higher side, so it's not something you want to carry a revolving balance on long-term. The app makes it easy to see your balance and set up payments, though I'd like clearer reminders about when promotional periods are due to end. For occasional use and spreading the cost of bigger buys, it's convenient and does the job well. Just treat it like any credit product and stay on top of repayments and you'll get the benefit without the sting. Reviewed on: 6th July 2026
Hakan's avatar
Hakan

A must have to spread the costs of big purchases.

5
I use PayPal to spread the costs of car components and it makes budgeting so much easier Reviewed on: 6th July 2026
Andrew Hellyar 's avatar
Andrew Hellyar

Reliable

5
Pay pal is my go to really, so easy to use and reliable. Also very secured. Reviewed on: 6th July 2026
Nafisat Y's avatar
Nafisat Y

Usually quick easy and reliable means ofpa

5
Usually quick easy and reliable means ofpa Reviewed on: 6th July 2026
Julie Peel's avatar
Julie Peel

The most important thing is that your transactions a...

5
The most important thing is that your transactions are safe and if there is an issue PayPal will take care of it gives you confidence when you are buying online. Reviewed on: 6th July 2026
Wayne S's avatar
Wayne S

No scams getting paid here

5
Helpful when needed, secure payment giving peace of mind Reviewed on: 6th July 2026
Frances's avatar
Frances

Love Paypal, convenient and efficient

5
Love Paypal, convenient and efficient Reviewed on: 6th July 2026
Louise B's avatar
Louise B

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