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 59,582 reviews, last reviewed 12th Apr 2026
808400% increase in 5 star reviews
in the past 90 days
2800% 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

Handy little App PayPal is handy for splitting bills and showing how much we are owed per person. Reviewed on: 12th April 2026
Scottie Dogs Rule's avatar
Scottie Dogs Rule

Latest lowest rating:

1

Danger do not use. its a trap. At the start it was sunshine and rainbows, Nice credit limit, link all your bills, link all your debit cards, make payments faster. But unlike any oth... Read more Reviewed on: 12th April 2026
Nathan P's avatar
Nathan P
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 (59582)

PayPal is secure safe way to shop online and provide...

5
PayPal is secure safe way to shop online and provides ways to spread payments without interest and credit facility if needed. Reviewed on: 5th June 2024
HC's avatar
HC

Some areas could be clearer. But easy to use.

5
The promotional offers say no interest if paid before the cut off date. However if you have a higher balance then it doesn't take the payment for that offer. Even if you pay in the exact amount. I was advised to pay it after the offer ran out. But this wasn't clear. Which is a shame. Other than that, it's easy to navigate and covers all needs. Reviewed on: 5th June 2024
Nicole J's avatar
Nicole J

The customer service is very efficient.

5
The customer service is very efficient. Payment is very secure as well Reviewed on: 5th June 2024
Oluwadayo O's avatar
Oluwadayo O

Buying things with paypal credit is easy and fast wi...

5
Buying things with paypal credit is easy and fast with no interest for 4 months and works on most websites Reviewed on: 5th June 2024
Muhib ur rehman's avatar
Muhib ur rehman

Always had good correspondence with PayPal and been...

5
Always had good correspondence with PayPal and been able to buy with confidence as well as being borrowed the money free of charge Reviewed on: 5th June 2024
David Ambler's avatar
David Ambler

Good, always there when I need it

5
Good, always there when I need it Reviewed on: 5th June 2024
David U's avatar
David U

Payment options available interest free

5
Payment options available interest free Reviewed on: 5th June 2024
Rajiv M's avatar
Rajiv M

Easy payments with low interest rate .

5
Easy payments with low interest rate .all with back up and the security of paypal Reviewed on: 5th June 2024
Dennis H's avatar
Dennis H

Never had a bad experience!

5
Never had a bad experience! Worth using PayPal credit. Reviewed on: 5th June 2024
J's avatar
J

Perfect service throughout.

5
Perfect service throughout. Any problem you come across, if any, are solved without effort. Always more than helpful. Constant credit increases too which is nice to have. Wouldn’t change it for the world. Reviewed on: 5th June 2024
Stanley M's avatar
Stanley M

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