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 81,947 reviews, last reviewed 22nd Apr 2026
2874100% increase in 5 star reviews
in the past 90 days
8500% 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:

4

It can always be better, but overall it's okay It can always be better, but overall it's okay Reviewed on: 22nd April 2026
Deyan S's avatar
Deyan S

Latest lowest rating:

1

They will trick you into too types of payments and y... They will trick you into too types of payments and you wont be able to pay it off as interest free. The system is made the way you loose always. Reviewed on: 22nd April 2026
Tomas's avatar
Tomas
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 (81947)

Simple no fuss easy transactions.

5
Simple no fuss easy transactions. The app is very easy to navigate and informative. The ability to pay for items via credit or 3 month terms is extremely useful. Reviewed on: 26th May 2025
Darren L's avatar
Darren L

Ideal company to work with.

5
Ideal company to work with. Consistently providing high standards of customer service Reviewed on: 26th May 2025
Tony K Creedy 's avatar
Tony K Creedy

PayPal Review: A Seamless and Secure Digital Payment...

5
PayPal Review: A Seamless and Secure Digital Payment Experience PayPal has firmly established itself as a leader in the world of digital payments—and for good reason. With its user-friendly interface, robust security features, and widespread acceptance, PayPal continues to deliver an exceptional financial service that blends convenience with trust. Ease of Use Setting up a PayPal account is simple and intuitive. Whether you’re sending money to friends, shopping online, or managing business transactions, the platform is incredibly straightforward. The mobile app mirrors this experience beautifully, making on-the-go payments and transfers quick and effortless. Security & Buyer Protection One of PayPal’s greatest strengths is its commitment to security. With industry-standard encryption, two-factor authentication, and fraud detection, users can feel confident their information is protected. The buyer and seller protection policies also offer a safety net for eligible transactions—an invaluable feature that builds trust between parties. Global Accessibility PayPal supports transactions in over 200 markets and 25 currencies, making it ideal for international business or global freelancers. The ability to pay or get paid across borders without the headache of currency conversion or hidden fees is a game-changer. Versatile Payment Options From linking a bank account or credit card to paying with a PayPal balance, the platform offers flexible funding sources. It also integrates seamlessly with countless online retailers, platforms like eBay, and even charitable organizations—making transactions effortless. Business-Friendly Features For businesses, PayPal offers invoicing, subscription billing, checkout buttons, and detailed analytics. It’s a reliable solution for entrepreneurs and companies of all sizes looking to manage transactions efficiently. Room for Improvement While PayPal’s fees can be high for certain business transactions, especially international ones, the value and security it provides often outweigh the cost. More transparent fee structures and quicker resolution of disputes would further enhance the user experience. Final Verdict PayPal remains a top-tier digital wallet and payment platform. Whether you’re a casual shopper, a frequent freelancer, or a small business owner, PayPal delivers security, convenience, and global reach in one powerful package. It’s not just a payment tool—it’s peace of mind. Reviewed on: 26th May 2025
Michelle K's avatar
Michelle K

Excellent service good price customer service brilli...

5
Excellent service good price customer service brilliant Reviewed on: 26th May 2025
Naeem A's avatar
Naeem A

I think PayPal credit is very helpful and straightfo...

5
I think PayPal credit is very helpful and straightforward to use and to understand. It’s especially helpful when I need to order a number of items in different sizes as the money out and then back in does not affect my day to day finances. Reviewed on: 26th May 2025
SO's avatar
SO

No problems,shame they don't Provide a card.

5
No problems,shame they don't Provide a card. Reviewed on: 26th May 2025
Mitze W's avatar
Mitze W

I find the pay in 3 fantastic .

5
I find the pay in 3 fantastic . It’s great no interest and the item as it says is paid in 3 . Reviewed on: 26th May 2025
Andrea Davis's avatar
Andrea Davis

Credit safe

5
Easy to use and makes life simple Reviewed on: 26th May 2025
Lisa R's avatar
Lisa R

Using PayPal credit is great when you just a little...

5
Using PayPal credit is great when you just a little more time but not getting charged high interest Reviewed on: 26th May 2025
Joanne b's avatar
Joanne b

I can be sure my money goes where need to go and wil...

5
I can be sure my money goes where need to go and will return to me if need to be returned. Reviewed on: 26th May 2025
Solvita 's avatar
Solvita

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