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 84,953 reviews, last reviewed 25th Apr 2026
3151200% increase in 5 star reviews
in the past 90 days
4500% 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

Very happy customer... PayPal is very clear and gives me early notification of any change. I am very happy with PayPal credit. Reviewed on: 25th April 2026
Safiya M's avatar
Safiya M

Latest lowest rating:

2

Hard to avoid PayPal and it's fine for quick one off... Hard to avoid PayPal and it's fine for quick one off payments and the standard pay in 3 method. Move into the more complicated (Shouldn't be) Paypal C... Read more Reviewed on: 25th April 2026
Brucie's avatar
Brucie
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 (84953)

Saves money no overdraft fees.

5
Very convenient to use. Saves using my overdraft by using pay in 3. Love using PayPal credit for booking my holidays. Great way to send my family money. Reviewed on: 26th May 2025
S Taylor 's avatar
S Taylor

PayPal credit was a game changer for me when I first...

5
PayPal credit was a game changer for me when I first signed up. I’m an early user of this, over time there are other credit sources such as Monzo Flex that compete but PayPal and Monzo Flex for me at both amazing and I have note owned an old school credit card since having these products. There is one thing that would make this amazing. A card you can use in shops where they do not accept PayPal as payment. That way the card would bridge the gap. Kinda like Monzo Flex and why I have referenced them. You guys had the market I believe until this and it’s the card that makes the difference. Reviewed on: 26th May 2025
Andrew B's avatar
Andrew B

PayPal has been very helpful when I .

5
PayPal has been very helpful when I . needed it.thank you Reviewed on: 26th May 2025
Patrick H's avatar
Patrick H

Best Credit experience

5
I have used Paypal since they started. I have always found it so easy to transfer money, make payments, and buy items or services, and Paypal credits allow me to do so without feel stressed about being able to afford what I love. Reviewed on: 26th May 2025
Ilaria C's avatar
Ilaria C

It serves it purpose and has done for many years.

5
It serves it purpose and has done for many years. Reviewed on: 26th May 2025
A B's avatar
A B

Very simple to use

4
Very simple to use no issues using the app Reviewed on: 26th May 2025
Graham 's avatar
Graham

I had a very positive experience the app is easy to...

5
I had a very positive experience the app is easy to use and helps me to plan my payments Reviewed on: 26th May 2025
Saqib s's avatar
Saqib s

Never experienced any problems happy with the servic...

4
Never experienced any problems happy with the service and efficiency Reviewed on: 26th May 2025
Ray Steinberg's avatar
Ray Steinberg

Easy to use fast efficient and fast to solve any pro...

5
Easy to use fast efficient and fast to solve any problem ( only had one dispute with a supplier and pay pal sorted it quickly and refunded me immediately) Reviewed on: 26th May 2025
John B's avatar
John B

Any problems with money solved with no hassle PayPal...

5
Any problems with money solved with no hassle PayPal is my favourite Reviewed on: 26th May 2025
Reyhan R's avatar
Reyhan R

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