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 103,710 reviews, last reviewed 10th May 2026
2439600% increase in 5 star reviews
in the past 90 days
7250% 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

Excellent service Works as expected, easy to use and is convenient. Reviewed on: 10th May 2026
DW's avatar
DW

Latest lowest rating:

1

The services is not excellent, they were days I paid... The services is not excellent, they were days I paid consistently for 2 years it has not reflect on my account statement Reviewed on: 10th May 2026
Stella N's avatar
Stella N
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 (103710)

Really helpful to have this, and I get a lot of inte...

5
Really helpful to have this, and I get a lot of interest free periods meaning I'm charged less overall. Reviewed on: 17th April 2026
Xravia's avatar
Xravia

The Gold Standard of Protection

5
Very good service and more protection for our money. 100% blindly we trust PayPal. Reviewed on: 17th April 2026
Guna's avatar
Guna

Fair, cost effective and a life saver!

5
I've had PayPal for many years and I wouldn't know what I would do without it. As long as you keep up your monthly payments it's a great thing that allows you to purchase the things you can't afford to pay in full upfront. Fees are fair and customer service is quick and efficient. On the rare occasion I've had to dispute a payment with a seller. PayPal follow the process fairly for both parties. Reviewed on: 17th April 2026
Daniella C's avatar
Daniella C

Flexible payment options

4
Good to have paying 3 options and 0% for large purchase Reviewed on: 17th April 2026
Bex's avatar
Bex

Paypal credit - saviour of the cost of living crisis

5
Paypal credit help me purchase things that I want with a reasonable time scale to pay for it. With the cost of living crisis, I found paypal to be the best way to still get these things without going over budget! Reviewed on: 17th April 2026
LeeS's avatar
LeeS

Never had any issues to report, process is always se...

5
Never had any issues to report, process is always seamless Reviewed on: 17th April 2026
Sharon F's avatar
Sharon F

Stress free purchases

5
Never had an issue with PayPal. Makes my shopping experience stress free. Reviewed on: 17th April 2026
Kirsty D's avatar
Kirsty D

Need to be more flexible with payments like Argos do...

4
Need to be more flexible with payments like Argos do with buy now pay later and lower apr . Reviewed on: 17th April 2026
Adam's avatar
Adam

Great Experiences

5
Great experiences, always a pleasure to have and use. Reviewed on: 17th April 2026
Georgina 's avatar
Georgina

PayPal credit is amazing

5
PayPal credit is amazing - their customer service team are excellent - they are there straightaway - no emails saying we will contact you within 72 hours - they help you and explain the answer to your query in lay mans terms so you can understand Reviewed on: 17th April 2026
Kelly h's avatar
Kelly h

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