Smart Money People Logo
Go to business site
Share this page
Link copied

PayPal: PayPal Credit reviews

View other PayPal products
4.91
Based on 50,806 reviews, last reviewed 1st Feb 2026
100% increase in 5 star reviews
in the past 90 days
100% 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

Simple and handy PayPal approved me for credit when NatWest would not, allowing me to make purchases with zero interest for 4 months. Their Pay in 3 service has also b... Read more Reviewed on: 25th January 2026
Gabriela O's avatar
Gabriela O

Latest lowest rating:

1

6M 0 interest is a scam. I opened this account because it offer 6M 0 interest. Im a 0 int person, i refuse to make banks rich and steal peoples money. Mind you, I have the mon... Read more Reviewed on: 1st February 2026
Lui R's avatar
Lui R
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 (50806)

Easy and safe

5
Easy to set up and to make extra monthly repayments. Gives added security when making purchases online. I really appreciate the extra authentication processes. Reviewed on: 27th May 2025
Becca F's avatar
Becca F

I love PayPal.

5
I love PayPal. I use the pay in 3 options all the time to help manage my payments and the interest free credit option has been great for bigger purchases. Always so easy to use when paying online too. Trust it more than paying with my actual card and the Buyer Protection option gives me peace of mind. I have used buyer protection though and PayPal did not rule in my favour - disappointing when reports online were saying the company was a scam. So even though there is protection, companies are still allowed to get away with it. Not sure Buyer Protection that really works in practice. Reviewed on: 27th May 2025
Donna L's avatar
Donna L

Good to delay payment for a few months interest free

4
Good to delay payment for a few months interest free Reviewed on: 27th May 2025
Paul M's avatar
Paul M

I use PayPal often and whenever I have had any issue...

5
I use PayPal often and whenever I have had any issues with my purchases via PayPal they have been quick to respond Reviewed on: 27th May 2025
Russell E's avatar
Russell E

Awesome experience, always something fall back on.

5
Awesome experience, always something fall back on. Reviewed on: 27th May 2025
Aras's avatar
Aras

Paypal credit has been my go to for a long time.

5
Paypal credit has been my go to for a long time..I am.always at peace with it especially the buy now and pay 4 month,gives me time to buy what I want now and pay later. I use them for most of my online purchase and there's never been a regret. They have given me enough credit to cater for my needs. I will always choose paypal. Reviewed on: 27th May 2025
adeshola's avatar
adeshola

I’ve never had any problems.

5
I’ve never had any problems. Everything is smooth till now. Pay in 3 is amazing. Reviewed on: 27th May 2025
Matt Oz's avatar
Matt Oz

Paypal credit and pay in 3 helps you easily spread o...

5
Paypal credit and pay in 3 helps you easily spread out the payments. Very clearly stated in terms and conditions at checkout. Reviewed on: 27th May 2025
Caroline 's avatar
Caroline

Great product

5
I’ve never had any issues and always have my issues resolved and find it easy to use. I’ve recommended to friends and family as I’ve used other similar products and the user experience isn’t half has good. Reviewed on: 27th May 2025
Isabella X's avatar
Isabella X

Easy set up and management

5
Easy to set up and can be used in plenty of places. I've used for a few big purchases which has allowed me to spread the cost over a year which is great Reviewed on: 27th May 2025
Marc 's avatar
Marc

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