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 103,758 reviews, last reviewed 10th May 2026
2441950% increase in 5 star reviews
in the past 90 days
7250% 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

Quality service. Quality service. Always clear what you are spending and repayments Reviewed on: 10th May 2026
Nicholas C's avatar
Nicholas C

Latest lowest rating:

1

The services is not excellent, they were days I paid... The services is not excellent, they were days I paid consistently for 2 years it has not reflect on my account statement Reviewed on: 10th May 2026
Stella N's avatar
Stella N
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 (103758)

All transactions go through efficently and statement...

5
All transactions go through efficently and statements are clear Reviewed on: 12th April 2026
John 's avatar
John

Always works well I haven't noticed any problems and...

5
Always works well I haven't noticed any problems and am always happy to use it. Reviewed on: 12th April 2026
Artem B's avatar
Artem B

Always had a smooth transition with payment and allo...

5
Always had a smooth transition with payment and allows the flexibility of pay in 3 when money is tighter . Reviewed on: 12th April 2026
Helen's avatar
Helen

I use always use PayPal its best for safe purchases

5
I like to use PayPal for purchases and sending money, I often buy Apple Gift Cards for family and if ever there is a pproblem chatting with aPayPal colleague always gets things sorted quickly Reviewed on: 12th April 2026
mjoweb's avatar
mjoweb

Fantastic!!!

5
Paypal is great never disappointed me Reviewed on: 12th April 2026
Ahsan Mahmood's avatar
Ahsan Mahmood

Reliable, Versatile and Essential

4
5/5 Stars: PayPal – Reliable, Versatile, and Essential for Online Transactions I've been using PayPal for over a decade for everything from freelance payments to online shopping and international transfers, and it consistently delivers. The app is intuitive with a clean interface—quick login via fingerprint or face ID, one-tap sends, and real-time notifications keep me in control without hassle. Security First: Buyer/seller protection, two-factor authentication, and fraud alerts give peace of mind. I've had unauthorized attempts blocked instantly. Flexibility: Links seamlessly to bank accounts, cards, or Venmo. Crypto buying/selling and bill pay options make it a one-stop financial hub. Global Reach: Fees are transparent for cross-border sends, and it works where cards don't (e.g., some international merchants). Rewards & Cashback: Ties into cards with perks, plus occasional promotions boost value. Minor cons like occasional holds on large transfers or customer service wait times (usually 5-10 mins via chat) are outweighed by the pros. If you do any online business or shopping, PayPal's reliability makes it indispensable. Highly recommend! Reviewed on: 12th April 2026
Nic A's avatar
Nic A

So easy to use

5
Always feel safe using PayPal, easy to set up and pay in a number of ways Reviewed on: 12th April 2026
Sally B's avatar
Sally B

Easy to make and receive payment.

5
Easy to make and receive payment. Very good support when needed Reviewed on: 12th April 2026
Dave Wilson's avatar
Dave Wilson

Highly Recommend

5
Great for enabling you to buy and pay later, as like many others, I don't always have the cash to pay full price at the time. Be good if the interest free period was a little longer as once the 4 months is over the interest rate is quite high. I also have to watch I don't overspend as it's so easy to use - I realise this is my issue! However, this is my go to for many purchases and I feel it is a secure method of payment. Thank You Reviewed on: 12th April 2026
Ruth L's avatar
Ruth L

Effective and easy to use

5
PayPal Credit is a very effective and easy way to manage daily bills and finances Reviewed on: 12th April 2026
David J's avatar
David J

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