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 99,640 reviews, last reviewed 6th May 2026
2252900% increase in 5 star reviews
in the past 90 days
6450% 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

I like using the credit app , monthly payments I like using the credit app , monthly payments Reviewed on: 6th May 2026
Piasta T's avatar
Piasta T

Latest lowest rating:

1

Absolute scam It’s an absolute scam, they are not upfront about how and when interest will accrue especially on zero interest deals for a couple of months. Payments... Read more Reviewed on: 6th May 2026
Angharad L's avatar
Angharad L
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 (99640)

I have had PayPal for years, use PayPal for a number...

5
I have had PayPal for years, use PayPal for a number of purchases, including business and services have only improved since. Cant be happier with it Reviewed on: 7th April 2026
Shatesh M's avatar
Shatesh M

Nice and easy

5
I have use Pay Pal since 2022. Nice and easy to make any purchase Reviewed on: 7th April 2026
Stan's avatar
Stan

PayPal Credit great for budgeting and flexibility

5
PayPal is great for secure online payment and PayPal credit gives that extra layer for budgeting your finances. And now PayPal credit card allows even more flexibility and choice Reviewed on: 7th April 2026
Alan S's avatar
Alan S

PayPal is convenient to use very simple and effectiv...

4
PayPal is convenient to use very simple and effective for what it is required to do Reviewed on: 7th April 2026
Graham O's avatar
Graham O

Always had good service, been able to spread purchas...

5
Always had good service, been able to spread purchase is a good way of managing money and a safe way Reviewed on: 7th April 2026
Fiona's avatar
Fiona

Have a look

5
I have never had any problems with PayPal, and when needed customer service has been on point Reviewed on: 7th April 2026
Clayton 's avatar
Clayton

Never had a problem with their service .

5
Never had a problem with their service .. confirm within minutes about a problem .. and if they can’t do it there and then they are quick to answer in a day .. Reviewed on: 7th April 2026
GailW's avatar
GailW

Paypal Credit the best there is

5
I have used Paypal credit multiple times now and I never had any problems. It is very easy to use/apply and also easy to pay of. I do like the 4 month no fee policy as I usually pay of my credit in the 4 months. Their app has every information you need and easy to navigate. Reviewed on: 7th April 2026
Veronika G's avatar
Veronika G

I've never had a bad experience with PayPal, be it u...

5
I've never had a bad experience with PayPal, be it using credit or their pay in three they've always been useful. and their team is useful regarding purchases that aren't up to standard and recovery of cost is quick and efficient. Reviewed on: 7th April 2026
Songstar's avatar
Songstar

I’ve had an account for years...

4
I’ve always been happy, I’ve had an account for years Reviewed on: 7th April 2026
Phil Grosvenor's avatar
Phil Grosvenor

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