Smart Money People Logo

PayPal: PayPal Credit reviews

4.91
Based on 50,712 reviews, last reviewed 17th Jun 2025
1833700% increase in 5 star reviews
in the past 90 days
1533% 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

Highly Recommend PayPal Pay in 3! Use PayPal Pay in 3 regularly and it helps spread the costs of holidays and treats. Reviewed on: 17th June 2025
RuthT's avatar
RuthT

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

About this product

PayPal PayPal Credit reviews (50712)

Review of the PayPal, PayPal Credit:

Fantastic Credit..Unreasonable APR %

2
On the whole I think PayPal is fantastic, because they have always allowed me to pay for things that I otherwise couldn’t have. However, the interest rates have always seemed unreasonably high, and the fact that they change without so much as a mention to the consumer, is a malicious practice I feel. Reviewed on: 26th May 2025

I am happy helpful i use credit for by from Ebay.

5
I am happy helpful i use credit for by from Ebay. Good to give you money back guarantee. I trust PayPal. THAKS . Reviewed on: 14th June 2025

I have been using PayPal credit for some years The a...

5
I have been using PayPal credit for some years The app is brilliant and hassle free and the range of options for payments are excellent Reviewed on: 14th June 2025

Very easy to use, many years no issues

5
Very easy to use, had a account for many years no issues. Reviewed on: 14th June 2025

using it frequently, easy and fast to use

5
using it frequently, easy and fast to use Reviewed on: 14th June 2025

The service is simply exceptional.

5
The service is simply exceptional. They are prompt to assist with queries and complaints Reviewed on: 14th June 2025

Always had great customer service and overall experi...

5
Always had great customer service and overall experience outstanding Reviewed on: 14th June 2025

Should have a card too, enabling to purchase in shops.

5
Should have a card too, enabling to purchase in shops. Reviewed on: 14th June 2025

I have very bad experience

4
Paypal credit is not good idea I have very bad experience I got mobile from PayPal credit first month it takes the money from my bank automatically but next month they said it will charge you if I not pay the credit and it was more than I have to pay that was very bad. I consider it just a scam to make more money. Reviewed on: 14th June 2025

Prolem free transactions.

5
Prolem free transactions. Easy to manage. Reviewed on: 14th June 2025

Convenient & consistent.

5
Been using Paypal since Ebay first linked up with them. Always been convenient and consistent with me. Will continue to use in the future. Reviewed on: 14th June 2025

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 20043 reviews
    PayPal
  • Payment Provider

    from PayPal 4.92 from 3597 reviews
    PayPal
    View all products