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 181,147 reviews, last reviewed 11th Sep 2026
50% decrease in 5 star reviews
in the past 90 days
32% 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

Great credit option. Very straightforward procedure, various repayment options, very easy to use at checkout. Reminders sent promptly and payment straight forward Reviewed on: 11th September 2026
Keith F's avatar
Keith F

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 (181147)

Excellent in service

5
Excellent in service. Its great to have all the way Reviewed on: 6th July 2026
Heykay's avatar
Heykay

Refund for damaged item, was dealt with

5
Refund for damaged item, was dealt with Reviewed on: 6th July 2026
ian harty's avatar
ian harty

Very useful.

5
Very useful. Easy to use. Many different forms of payment Reviewed on: 6th July 2026
Anna Bielecka's avatar
Anna Bielecka

So simple to use

5
So simple to use and the pay in 3 function allows a lot more flexibility Reviewed on: 6th July 2026
Charlie W's avatar
Charlie W

Brilliant

5
I find PayPal credit very good for short term payments.I like the way I can pay for goods without having to pay all up front.I get paid weekly so I pay it off in small amounts every week which I don’t miss.Brilliant for my needs Reviewed on: 6th July 2026
Philip L's avatar
Philip L

Good options available, quick decisions, payment pro...

5
Good options available, quick decisions, payment protections & many customers/ retailers use, Even though interest is quite high. Reviewed on: 6th July 2026
Nigel C's avatar
Nigel C

All good

5
Everything runs smoothly. Long interest free periods. Easy to manage. Reviewed on: 6th July 2026
efemera 's avatar
efemera

Generally good, can't complain.

4
Generally good, can't complain. Overall they have dealt with any issues I've had. Reviewed on: 6th July 2026
Si Bevo's avatar
Si Bevo

Unexpected Interest Charges on Account

3
I was making my payments on time as PayPal indicated, until I accidentally noticed on my statement that they had been charging me interest for several months without any alert or proper notification. They did not clearly inform me that if I didn’t pay a certain amount by a specific date, interest would be applied. Reviewed on: 6th July 2026
Reza E's avatar
Reza E

PayPal works for you

5
The 4 months interest free credit card and pay in 3 are brilliant and helps with the current financial climate. Reviewed on: 6th July 2026
Aaron Montgomery 's avatar
Aaron Montgomery

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