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

PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 146,832 reviews, last reviewed 1st Jul 2026
4411600% increase in 5 star reviews
in the past 90 days
12700% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

I’ve used PayPal for a very long time. I’ve used PayPal for a very long time. It’s helped me buy with ease of paying monthly affordabley. Reviewed on: 1st July 2026
Karen McGuinness 's avatar
Karen McGuinness

Latest lowest rating:

2

Opened a case for a high value item Opened a case for a high value item provided evidence that items are missing and PayPal are still dragging their heels Reviewed on: 1st July 2026
TM's avatar
TM
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 (146988)

Excellent service

5
PayPal is very safe easy to use & if you don't have the funds at the time you can have credit Reviewed on: 9th May 2026
Heather T's avatar
Heather T

Excellent service

5
Excellent service easy to use good value for money Reviewed on: 9th May 2026
AshimAshim T's avatar
AshimAshim T

Amazing way of purchasing, easy , no issues and high...

5
Amazing way of purchasing, easy , no issues and highly reconemded Reviewed on: 9th May 2026
Debora l's avatar
Debora l

Clearer statements needed

4
I've used PP credit a few times, I do feel like I don't understand all the maths behind it though and why the amount owed is higher than what I took out, and I wish it would be quicker at processing payments. It would be good to get reminders of when the 4 months is coming to a close and options for a print out statement for clarity Reviewed on: 9th May 2026
Gigi's avatar
Gigi

Easy to use and set up payments.

4
Easy to use and set up payments. A great way to purchase larger spends that you might not have the disposable money for. The app is great for monitoring spending and keeping up with payments Reviewed on: 9th May 2026
Sophie R's avatar
Sophie R

Repayments

4
Repayments annoy me otherwise i am pretty happy with PP. When I make a payment its not taken until after midnight. I pay it to be taken when I authorise the payment. Reviewed on: 9th May 2026
Allison O's avatar
Allison O

It’s simple and it just works.

5
It’s simple and it just works. It’s easy to monitor my spending and accepted almost everywhere. Reviewed on: 9th May 2026
Ashley w's avatar
Ashley w

Reasonable costs, accepted in a lot of places althou...

5
Reasonable costs, accepted in a lot of places although more could be added. a good addition to PayPal. Reviewed on: 9th May 2026
Phil R's avatar
Phil R

PayPal credit is always so convenient and simple to...

5
PayPal credit is always so convenient and simple to use. It makes life a lot easier when it comes to finance options as most platforms will take it. Reviewed on: 9th May 2026
Matthew T's avatar
Matthew T

So far so good no problems no complaints.

5
So far so good no problems no complaints. Everything works fine. Reviewed on: 9th May 2026
jacek g's avatar
jacek g

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Want to see more from PayPal?

  • Pay in 3

    from PayPal 4.76 from 78458 reviews
    PayPal

  • Payments

    from PayPal 4.71 from 3757 reviews
    PayPal

  • Credit card

    from PayPal 4.69 from 98 reviews
    PayPal
    View all products

    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