Smart Money People Logo

PayPal: PayPal Credit reviews

4.90
Based on 109,557 reviews, last reviewed 18th May 2026
2707700% increase in 5 star reviews
in the past 90 days
7950% 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

I love the flexibility and options made available wh... I love the flexibility and options made available when I need to make payments, plus I get rewarded for it. Reviewed on: 18th May 2026
Freddie Bak's avatar
Freddie Bak

Latest lowest rating:

1

PayPal doesn’t look after customers and the policy... PayPal doesn’t look after customers and the policy needs re-wording Reviewed on: 17th May 2026
Paul B's avatar
Paul B

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. Write a review

PayPal PayPal Credit reviews (109557)

Definitely recommend paypay

5
Been very reliable for me and has helped me afford things and being able to pay it back as I can. Reviewed on: 18th April 2026

PayPal is exalent and staff friendly and happy to he...

5
PayPal is exalent and staff friendly and happy to help you with financial advice Reviewed on: 18th April 2026

PayPal support have been helpful

5
PayPal have supported me and helped me receive my full refund during a time when I felt uncertain regarding an eBay seller. Reviewed on: 18th April 2026

The simplest way to shop, the many ways to pay and i...

5
The simplest to shop, the many ways to pay and if I have a dispute it’s sorted quickly and efficiently. I love the new features with points on spending and the availability of a debit card. The 3 month instalment feature really helps to manage my spending and I find that suits me well. PayPal is really becoming more convenient with ways to pay I love it! I haven’t had a bad experience with PayPal in all the time I’ve had an account with them. Being secure conscious online with purchases I tend you use it more than any other platform. Reviewed on: 18th April 2026

Best experience with paypal i love every time using it

5
Best experience i love to use paypal bank Reviewed on: 18th April 2026

Very easy to use.

5
Very easy to use. Safe , secure reliable. Reviewed on: 18th April 2026

Hassle free service.

5
Hassle free service. Great customer service. Every thing is quick and easy. Makes buy online so much easier, with peace of mind. Reviewed on: 18th April 2026

Convenient and easy to use

5
Convenient and easy to use, competitive rates and easy to access details Reviewed on: 18th April 2026

Interest free credit isn't interest free

4
Interest free credit isn't interest free you have to pay 3% on it every month Reviewed on: 18th April 2026

Easy to set up and fairly priced

5
Easy to set up and fairly priced Reviewed on: 18th April 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Want to see more from PayPal?

  • Pay in 3

    from PayPal 4.93 from 51836 reviews
    PayPal
  • Payments

    from PayPal 4.91 from 3719 reviews
    PayPal
  • Credit card

    from PayPal 4.90 from 83 reviews
    PayPal
    View all products