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 103,499 reviews, last reviewed 10th May 2026
2429600% 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

Nice and easy, no stress, whole process was good, 4... Nice and easy, no stress, whole process was good, 4 months interest free is a big help Reviewed on: 10th May 2026
Arran Tilney's avatar
Arran Tilney

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 (103499)

Quick easy to navigate, excellent service

5
Quick easy to navigate, excellent service Reviewed on: 16th April 2026
Terence 's avatar
Terence

Easy service to use, easy app interface

5
Easy service to use, easy app interface Reviewed on: 16th April 2026
Angelika Palacz's avatar
Angelika Palacz

Amazing experience with paypal never had an issue

5
Amazing experience with paypal never had an issue Reviewed on: 16th April 2026
Shah's avatar
Shah

An absolute lifesaver!

5
I find PayPal credit extremely useful to spread larger purchases over a few months, safely without paying interest on the amount. Reviewed on: 16th April 2026
Dawnie's avatar
Dawnie

Very good service as always, satisfied.

5
Very good service as always, satisfied. Reviewed on: 16th April 2026
Georgia S's avatar
Georgia S

safe and trustworthy

5
Paypal gives a lot of reassurance as they act swiftly for any questionable transactions Reviewed on: 16th April 2026
Lyan's avatar
Lyan

Refund me quickly if I ever have returns.

5
Refund me quickly if I ever have returns. Reviewed on: 16th April 2026
michelle mulligan's avatar
michelle mulligan

Easy, fast amd safe.

5
Easy, fast amd safe.It's a one of the best safe way for online and not only shopping Reviewed on: 16th April 2026
Plamen 's avatar
Plamen

Co-Pilot Wrote This For Me

4
PayPal is a solid payment platform that gets the job done, but it’s not without its frustrations. On the positive side, it’s widely accepted, easy to set up, and convenient for quick online purchases. The interface is straightforward, and features like buyer protection offer some peace of mind when dealing with unfamiliar sellers. That said, the experience isn’t always smooth. Customer support can feel slow or unhelpful, especially when dealing with account holds or disputes. Fees also add up quickly—particularly for small businesses or anyone receiving international payments. It works, but it doesn’t always feel seamless or transparent. Overall, PayPal is a decent option if you want a familiar, widely supported payment method, but it’s not perfect. There are moments when it feels reliable and moments when it feels like it’s getting in its own way Reviewed on: 16th April 2026
Stephen Park's avatar
Stephen Park

Easy too use, does what it says on the tin

5
Easy too use, does what it says on the tin Reviewed on: 16th April 2026
Rick ODonnell's avatar
Rick ODonnell

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