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 104,734 reviews, last reviewed 12th May 2026
2486850% increase in 5 star reviews
in the past 90 days
7400% 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

Better than a Pal a brother Everything on my hands… Easy to manage, easy to pay and receive as well… One of the best payments options available to use. Don’t miss out. Reviewed on: 12th May 2026
Wilson G's avatar
Wilson G

Latest lowest rating:

1

Not good at all, Paypal is highly Not recommended I've been a loyal customer with this company for more than 10 years and I noticed a critical decline in the quality of customer service, who are mostl... Read more Reviewed on: 12th May 2026
Eli 's avatar
Eli
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 (104734)

Always reliable.

5
Always reliable. Never had a problem Reviewed on: 17th April 2026
Mike H's avatar
Mike H

I have all you will need all to be able to spread...

5
I have all found it very useful to be able to spread the cost of my purchases and knowing how much you can spend each month Reviewed on: 17th April 2026
julian h's avatar
julian h

Always reliable and easy to use

5
Always reliable and easy to use, like a a good friend, you know is there when you need it for most. Reviewed on: 17th April 2026
Chris 's avatar
Chris

Good value for money.

4
Good value for money. They respond promptly when required. Reviewed on: 17th April 2026
AnonymousSK's avatar
AnonymousSK

Good customer service and easy app to use

4
Good customer service and easy app to use Reviewed on: 17th April 2026
Louise M's avatar
Louise M

Easy to use and reliable, so widely available to use...

5
Easy to use and reliable, so widely available to use and like having the assurance and security with it. Reviewed on: 17th April 2026
Becky O's avatar
Becky O

Paypal credit is a good way to manage monthly cashflow

4
Paypal credit is a good way to manage month to month cashflow and liquidity in your current account but I find because its so simple to use it is easy to not quite keep a track on how many small credit items you have running which can add up. Its definitely not set and forget. Also its not clear on how to make a one-off payment clear a specific credit amount which is frustrating. For example I have 3 transactions for Apple produces at the moment. A feature to allow a user to click through from a credit transaction and clear that one would be helpful. Despite that its a great help month by month Reviewed on: 17th April 2026
PaulZ's avatar
PaulZ

Paypal is excellent and provides peace of mind with...

5
Paypal is excellent and provides peace of mind with purchases you make. Reviewed on: 17th April 2026
tom Clark's avatar
tom Clark

Helpful system - easy to use

5
Helpful system for managing payments and spreading the cost. I like the points system as well, and cashback options! Reviewed on: 17th April 2026
Alex's avatar
Alex

Always been good to me with service and customer sup...

5
Always been good to me with service and customer support Reviewed on: 17th April 2026
Lloyd H's avatar
Lloyd 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