Smart Money People Logo
Go to business site
Share this page
Link copied

PayPal: PayPal Credit reviews

View other PayPal products
4.91
Based on 50,806 reviews, last reviewed 1st Feb 2026
100% increase in 5 star reviews
in the past 90 days
100% 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

Simple and handy PayPal approved me for credit when NatWest would not, allowing me to make purchases with zero interest for 4 months. Their Pay in 3 service has also b... Read more Reviewed on: 25th January 2026
Gabriela O's avatar
Gabriela O

Latest lowest rating:

1

6M 0 interest is a scam. I opened this account because it offer 6M 0 interest. Im a 0 int person, i refuse to make banks rich and steal peoples money. Mind you, I have the mon... Read more Reviewed on: 1st February 2026
Lui R's avatar
Lui R
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 (50806)

Reliable and universally accepted.

4
I've been using PayPal for years and never had any problems. It's easy to use, convenient (accepted by most online retailers), and fast. Reviewed on: 28th May 2025
David RJ's avatar
David RJ

10/10 every time, so easy.

5
10/10 every time, so easy. Able to use widely online now! Reviewed on: 28th May 2025
Sarah J's avatar
Sarah J

The best online banking

5
Never had any problem with PayPal. Disputes resolved quickly and positively. Payments go through smoothly. Reviewed on: 28th May 2025
Christine A's avatar
Christine A

Never been let down, my money is safe with paypal

5
Never been let down, my money is safe with paypal Reviewed on: 28th May 2025
Dima Dima's avatar
Dima Dima

Very happy, especially for online purchases.

5
Very happy, especially for online purchases. So much easier to use, no need to fill anything out, it’s all don’t for you Reviewed on: 28th May 2025
Shaw D's avatar
Shaw D

Great service easy to use, lots of options for payment.

5
Great service easy to use, lots of options for payment. Great app Reviewed on: 28th May 2025
Toni's avatar
Toni

Using PayPal Credit has been a joy.

5
Using PayPal Credit has been a joy. I rely on it for bigger purchases or holidays, and the option to repay in three installments makes managing my finances so much easier. It’s helped me afford things I want without the stress of a traditional credit card. I genuinely prefer it over standard credit options—convenient, flexible, and reliable. Reviewed on: 28th May 2025
Blessing B's avatar
Blessing B

Kithing much to say as the service is crucial to.me

4
Pay pal is very helpful when doing some shopping online. It s useful when I need to buy item or good that cost more then250 pounds,PayPal allows me to pay in a couple of installments . Reviewed on: 28th May 2025
Tuelekeja K's avatar
Tuelekeja K

Can't fault PayPal easy to use and very helpful for...

5
Can't fault PayPal easy to use and very helpful for me Reviewed on: 28th May 2025
Darran J's avatar
Darran J

My experience so far has gone without no issue and c...

5
My experience so far has gone without no issue and concerns. There has been no data breach if my data which has given peace of mind Reviewed on: 28th May 2025
Elaine G's avatar
Elaine 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