Paid advertisement
Smart Money People Logo
Newsletter

PayPal: PayPal Credit reviews

4.73
Based on 148,011 reviews, last reviewed 3rd Jul 2026
4465350% increase in 5 star reviews
in the past 90 days
13050% 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

Excellent PayPal Excellent, PayPal is fast and efficient Reviewed on: 3rd July 2026
Rachel S's avatar
Rachel S

Latest lowest rating:

1

Had my PayPal on direct debit for 7 years. Had my PayPal on direct debit for 7 years. No issues. This week a phone call saying I am late with payment?? No it’s on DD so can’t be late it’s on pa... Read more Reviewed on: 3rd July 2026
Lisa D's avatar
Lisa D

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. Write a review

PayPal PayPal Credit reviews (148134)

Paypal has aloud me to buy christmas and birthday pr...

5
Paypal has aloud me to buy christmas and birthday presents with paypal credit Reviewed on: 20th June 2026

Paypal has aloud me to buy christmas and birthday pr...

5
Paypal has aloud me to buy christmas and birthday presents with paypal credit Reviewed on: 20th June 2026

Helpful and excellent customer service

5
Always been very easy to use and navigate, excellent customer service and very helpful Reviewed on: 20th June 2026

Great card different to bank or building society.

4
No way to transfer money like with any other bank. No local help. Points plate ok but unless you’re buying a house on it it takes too long to care anything. Reviewed on: 20th June 2026

Happy no complaints

5
No complaints very happy no more to say Reviewed on: 20th June 2026

I love PayPal it’s so quick and easy

5
I love PayPal it’s so quick and easy Reviewed on: 20th June 2026

I don’t like that it takes 5-7 days to collect money...

4
I don’t like that it takes 5-7 days to collect money from my bank account when I pay my bill. Reviewed on: 20th June 2026

Fantastic value

5
I've been using PayPal credit for buying materials for my new house build, the 0 interest if paid in full work's perfectly for me. Would highly recommend it Reviewed on: 20th June 2026

helpful and trustworthy

5
Always super easy to use and really beneficial to have multiple options for payments which helps to manage life in the current climate. Reviewed on: 20th June 2026

Too much interest this can be improved

3
Too much interest this can be improved Reviewed on: 20th June 2026

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 79290 reviews
    PayPal
  • Payments

    from PayPal 4.71 from 3759 reviews
    PayPal
  • Credit card

    from PayPal 4.70 from 100 reviews
    PayPal
    View all products