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 81,058 reviews, last reviewed 22nd Apr 2026
2791700% increase in 5 star reviews
in the past 90 days
8100% 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

Great option for flexible purchase Great option for flexible purchase Reviewed on: 22nd April 2026
ThatSMyName's avatar
ThatSMyName

Latest lowest rating:

2

Its no Klarna or clearpay Its no Klarna or clearpay in terms of paypal doesn't give reminders about making payments to paypal credit so you end up getting in more debt with lat... Read more Reviewed on: 21st April 2026
Loz's avatar
Loz
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 (81058)

Trustworthy and easy to use

5
Best to use to manage credit. It helped me build credit and make big purchases whilst spreading the cost. Reviewed on: 6th April 2026
Gina R's avatar
Gina R

Very helpful service

5
I have found PayPal Credit to be very help in managing my finances even in tough financial situations. Reviewed on: 6th April 2026
Murtaza's avatar
Murtaza

Recommend

5
Use PayPal credit regularly to spread the costs of larger items. Always a a s.ooth and easy process Reviewed on: 6th April 2026
C O's avatar
C O

it was really perfect wen i needed credit also easy...

5
it was really perfect wen i needed credit also easy to use. Reviewed on: 6th April 2026
Sultan Mahmood's avatar
Sultan Mahmood

Easy to use and flexible

5
Straight forward to use, loads of retailers have PayPal as an option for payment. Handy to have flexible payment options for those purchases that are a bit more costly. Reviewed on: 6th April 2026
iwan's avatar
iwan

Good backup when needed

5
Good backup when needed. Thank you Reviewed on: 6th April 2026
Annacska's avatar
Annacska

The best card, best offer best app I love it

5
The best card, best offer best app I love it Reviewed on: 6th April 2026
Enea M's avatar
Enea M

Flexible payment options, with great customer service

5
I have used PayPal credit for a number of years for many different purchases. The 4 months interest free is extremely useful plus their interest free options with various retailers such as Samsung. Now we have an actual card to use with the account which has also made it even more flexible.. PayPal credit is a great facility when used responsibly like others however PayPal offers a greater deal of flexibility. Customer service I’ve used on several occasions via the app, Through both the messaging and call option's.. On all occasions it’s very easy to speak with someone with virtually no wait times which is unprecedented nowadays Reviewed on: 6th April 2026
DH's avatar
DH

Easy to use and good customer services

5
Easy to use and good customer services Reviewed on: 6th April 2026
Georgia S's avatar
Georgia S

Easy profit

2
Just like any other lender, profit is the game Reviewed on: 6th April 2026
Luis M's avatar
Luis 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