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 107,362 reviews, last reviewed 15th May 2026
2607200% increase in 5 star reviews
in the past 90 days
7600% 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

Never had any issues, convenient and easy to use Never had any issues, convenient and easy to use Reviewed on: 15th May 2026
RH's avatar
RH

Latest lowest rating:

1

Watch out for hidden credit I bought a product from eBay with Paypal. The transaction was automatically put onto my PayPal credit balance that was previously at zero. I think it ... Read more Reviewed on: 14th May 2026
Andrew White's avatar
Andrew White
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 (107362)

It’s been ages and I still can’t set up my direct de...

3
It’s been ages and I still can’t set up my direct debit. The app has a lot of bugs and always takes too long to show the statements. Reviewed on: 16th April 2026
Marcelo 's avatar
Marcelo

Bought a product which did not arrive.

5
Bought a product which did not arrive. Got a full refund within days Reviewed on: 16th April 2026
Alan kirk's avatar
Alan kirk

Reliable but customer support needs improvement

5
I’ve been using PayPal Credit for a while now, and overall it’s been a convenient way to manage purchases and spread costs. The application process was straightforward, and I like how easy it is to track payments through the app. The flexibility with repayments and occasional promotional offers can be helpful when used responsibly. Overall, it’s a useful service for managing short-term credit, but there’s definitely room for improvement in customer support and communication Reviewed on: 16th April 2026
ASIF K's avatar
ASIF K

Comforting

5
Used it for yours, it's great comfort to know I have it Reviewed on: 16th April 2026
Brook Lowes's avatar
Brook Lowes

Great app always used PayPal.

5
Great app always used PayPal. Fast, efficient , reliable. Reviewed on: 16th April 2026
Michelle Saunders's avatar
Michelle Saunders

I've had a good experience to date with PayPal Credi...

5
I've had a good experience to date with PayPal Credit and it has become a very useful service to use every now and again. More regular updating of my balance or statements would be the only recommendation I would make. Reviewed on: 16th April 2026
Danielle D's avatar
Danielle D

issues on app late payment takenfrom direct debit

3
Some issues saying credit due when credit paid up and one established direct debit payment taken late leading to black mark on credit rating Reviewed on: 16th April 2026
Anthony K's avatar
Anthony K

Good, useful for spreading payments

4
Good, useful for spreading payments Reviewed on: 16th April 2026
Llenard Gonzalo's avatar
Llenard Gonzalo

A valuable and reliable resource

5
I've always appreciated the flexibilty offered by PayPal credit. One step removed from merchant and card provider provides added security and reassurance.. I am very satisfied overall. Reviewed on: 16th April 2026
Dr A's avatar
Dr A

Highly recommended for safe and secure online payments.

5
I feel very confident using PayPal because of my past experience. I once purchased items online from a company that turned out to be unreliable. After contacting PayPal, they handled the situation quickly and issued me a refund within hours. That experience really reinforced my trust in their service and buyer protection. Reviewed on: 16th April 2026
Freshta 's avatar
Freshta

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