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 76,091 reviews, last reviewed 18th Apr 2026
2330500% increase in 5 star reviews
in the past 90 days
6700% 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

Easy and flexible credit card, it’s a Mastercard so... Easy and flexible credit card, it’s a Mastercard so I can use it in a lot more places compared to my AMEX! Reviewed on: 18th April 2026
Yannick B's avatar
Yannick B

Latest lowest rating:

1

When we are pay back money for credit card statement... When we are pay back money for credit card statements balance initially it takes time and second customers are having hard to get how much they deposi... Read more Reviewed on: 18th April 2026
Muhammad Nabeel's avatar
Muhammad Nabeel
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 (76092)

Very easy to use and convenient.

5
Very easy to use and convenient. It’s integrated into my curve card that makes it very easy to make payments. Reviewed on: 29th May 2025
David O's avatar
David O

Long time user of Paypal Credit

5
I’ve been using PayPal Credit for many years, and overall, it’s been a pretty handy tool for managing online purchases. I originally signed up because I saw the “0% interest for 6 months” offer on a big electronics purchase, and that really helped me spread out the cost without racking up interest. What I like most is how seamlessly it integrates with PayPal. Since I already use PayPal for most of my online shopping, it was super easy to start using PayPal Credit—no extra cards or accounts to keep track of. The approval process was quick, and I was able to use it right away. Reviewed on: 29th May 2025
Joshua D's avatar
Joshua D

Sometime the payment doesn’t go through straight awa...

5
Sometime the payment doesn’t go through straight away when you want to pay, they should more option of making payments for pay later Reviewed on: 29th May 2025
Hakim's avatar
Hakim

Pay by Pay Pal, great service charges

5
Excellent service, interest free payments if paid on time, great communication Reviewed on: 29th May 2025
Jean D's avatar
Jean D

Efficient, I trust my money is safe using this service.

4
Efficient, I trust my money is safe using this service. Reviewed on: 29th May 2025
Helen W's avatar
Helen W

very easy to get credit and low monthly payments

5
very easy to get credit and low monthly payments Reviewed on: 29th May 2025
stuart s's avatar
stuart s

PayPal Credit helps me to budget for airline travel

5
I have used PayPal Credit on a few occasions, when I have needed to spread the cost of a purchase, generally for airline travel booked in the future. This is an excellent way for me to budget and obtain prices at lower rates, as I am able to book at lower rates. I can repay over several weeks/months without losing out on good deals online. Reviewed on: 29th May 2025
Audrey's avatar
Audrey

I have been using PayPal for year now, and I feel li...

5
I have been using PayPal for year now, and I feel like they render their services completely for free, from using them for payments to buying stuffs through PayPal credit. I just like using them. Reviewed on: 29th May 2025
EMMANUEL A's avatar
EMMANUEL A

Been with PayPal for a few years and have always rea...

5
Been with PayPal for a few years and have always ready to help Reviewed on: 29th May 2025
brian stevenson's avatar
brian stevenson

PayPal a friendly service.

5
PayPal has provided excellent service over a number of years and has allowed me to purchase goods as and when I've needed them. They keep you upto date with your purchases and ensure your payments meet your needs. Reviewed on: 29th May 2025
Keith M's avatar
Keith M

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