Smart Money People Logo
Share this page
Link copied

PayPal: PayPal Credit reviews

View other PayPal products
4.91
Based on 50,802 reviews, last reviewed 15th Jul 2025
921050% increase in 5 star reviews
in the past 90 days
1100% 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 straightforward customer experience Very straightforward customer experience, with clear terms of use, and no hidden fees Reviewed on: 15th July 2025
wolfie's avatar
wolfie

Latest lowest rating:

2

Confusing payment/direct debit process Poor customer service, the first person did not read my issue properly and gave me an irrlevant answer and when I requested they read ALL my messages ... Read more Reviewed on: 16th June 2025
Jane B's avatar
Jane B
Read all reviews Write a review

About this product

PayPal Credit is a virtual credit card.

PayPal Credit can be added to your PayPal wallet and is accepted at thousands of online stores. Your purchases are protected by PayPal’s 24/7 security and encryption. You also get Buyer Protection on eligible purchases.

PayPal Credit reviews help you find out what it’s really like to be a customer. If you’ve used PayPal Credit 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 (50802)

Easy to use and help is always at hand

5
Easy to use and help is always at hand Reviewed on: 27th May 2025
William T's avatar
William T

Always good.

5
Always good. Protection only used once before to get money back Reviewed on: 27th May 2025
Glenn L's avatar
Glenn L

Easy to stay in control of credit spending

5
Whats nice about paypal credit is that it was easy and quick to set up and then use on online product immediately. Also as its not a pyhsical credit card, and paypay doesnt force you to use it on purchases, its very easy to keep in control of. So its a really conveinient way of using credit but it not get out of control. Reviewed on: 27th May 2025
Jamie B's avatar
Jamie B

It always has reasonable interest rates

5
It always has reasonable interest rates Reviewed on: 27th May 2025
Andrei B's avatar
Andrei B

With Paypal credit i was able to meetup with family...

5
With Paypal credit i was able to meetup with family responsibility. NAd the payment plan is good. Reviewed on: 27th May 2025
Jojo's avatar
Jojo

Every penny counts

5
great help when wanting to spread cost over time, and making it more affordable in the current financial times where ever penny counts Reviewed on: 27th May 2025
Leon's avatar
Leon

Excellent customer service

5
I have been using Papal for a long time now and over the past few years i 've used Papal credit. In January they offered 3 months interest free credit, but i asked for 4 months and Papalkindly gave it to me. they are also very fair in sales transactions. Reviewed on: 27th May 2025
Rita Chand's avatar
Rita Chand

It’s easy to apply and get the decision and lot of p...

5
It’s easy to apply and get the decision and lot of places to use and pay back in easy direct debits Reviewed on: 27th May 2025
Chava Murali Manohar Sai's avatar
Chava Murali Manohar Sai

Flexibility of my finance

4
This gave me flexibility of my finances and their buy now pay in 4 months no interest is one of the best things I like about paypal credit Reviewed on: 27th May 2025
Niki's avatar
Niki

Excellent customer service

5
PayPal Credit is a digital, reusable credit line provided by Synchrony Bank that lets you finance purchases made through PayPal. It’s accepted anywhere PayPal is, and often offers special financing options for larger purchases. Reviewed on: 27th May 2025
J's avatar
J

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 4.93 from 22342 reviews
    PayPal

  • Payment Provider

    from PayPal 4.93 from 3599 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