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 181,154 reviews, last reviewed 29th Sep 2026
65% decrease in 5 star reviews
in the past 90 days
53% decrease 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

Best Customer service Best Customer service, and great value. Reviewed on: 29th September 2026
Ozie F's avatar
Ozie F

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd July 2026
Bianca Vlascu's avatar
Bianca Vlascu
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 (181154)

PayPal has always been safe to use and secure would...

5
PayPal has always been safe to use and secure would always be my first payment option Reviewed on: 9th June 2026
Mark w's avatar
Mark w

Credit doesn’t offer rewards like 0% interest on pur...

3
Credit doesn’t offer rewards like 0% interest on purchases for loyal customers Reviewed on: 9th June 2026
TLB's avatar
TLB

I think it is a good credit scheme but the whole mak...

3
I think it is a good credit scheme but the whole make a payment and it be taken within 24h is confusing, especially when it doesn’t happen. Instead of 24 it can be a week. Reviewed on: 9th June 2026
Itskhadija B's avatar
Itskhadija B

Perfect for every day life pleasures and more

5
Im using Paypal credit trough out the year for a little purchases or sometimes for a bigger purchase. It always accepted everywhere and extremely easy to use. I can pay back as little as i can or add extra whenever suits me . It great and helps a little in every day life. It just makes it better Reviewed on: 9th June 2026
Kornelia K's avatar
Kornelia K

Very useful to have

5
All of the services provided are useful, easy to understand and the service is friendly. The addition of a physical card for use in more places in daily life, is excellent. I would recommend PayPal to anyone. Reviewed on: 9th June 2026
Lauren w's avatar
Lauren w

Trust PayPal

5
Excellent range of secure services and options to purchase and pay. Have used the pay in three option, and debit card. I feel safe using PayPal when making online transactions. Reviewed on: 9th June 2026
Griff's avatar
Griff

So Easy to Use

5
The ease to access pay pal credit or pay in 3 is quick and very convenient. The new debit card is also a great idea. Reviewed on: 9th June 2026
Theo Roma's avatar
Theo Roma

PayPal credit is awesome and so easy to use.

5
PayPal credit is awesome and so easy to use. Their app is simple and how they’ve moved to a credit card is really neat. I have never had an issue and they’ve even helped me when I was a victim of fraud. Reviewed on: 9th June 2026
Sean M's avatar
Sean M

Silky PayPal

5
I have never had a problem with PayPal, every transaction as been as smooth as silk Reviewed on: 9th June 2026
chris draken's avatar
chris draken

Pay in 3

5
Pay in 3 is really good. You can buy over 3 months with no hassle. Reviewed on: 9th June 2026
Hazel R's avatar
Hazel R

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 101311 reviews
    PayPal

  • Payments

    from PayPal 4.72 from 3854 reviews
    PayPal

  • Credit card

    from PayPal 4.66 from 126 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