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 84,408 reviews, last reviewed 24th Apr 2026
3100800% increase in 5 star reviews
in the past 90 days
4400% 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

Been using paypal for years and it just keeps gettin... Been using paypal for years and it just keeps getting better. The ease of use and options to payback is the best out. Highly recommend Reviewed on: 24th April 2026
Karl T's avatar
Karl T

Latest lowest rating:

1

PayPal are very trust worthy and reliable service. PayPal are very trust worthy and reliable service. You can always depend on them. Reviewed on: 24th April 2026
Robert Reilly 's avatar
Robert Reilly
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 (84408)

Brilliant for spreading the cost over 4 months.

5
Paypal Credit is brilliant for budgetting on high priced items, I had to get my house ridge tiles replaced at over £1000, and using Paypal Credit I was able to spread the cost over 4 months interest free and pay off the total before the 4 months was up. It has also been used to buy a new mobile outright outside of contract and other items around the home. Reviewed on: 26th May 2025
Chris K's avatar
Chris K

Helpful and easy to use

5
Does exactly what you'd expect. The 0% offers are fantastic and really help with bigger purchases. It's incredibly easy to set up and use and a huge number of retailers now accept PayPal and link directly to their site at the checkout Reviewed on: 26th May 2025
James B's avatar
James B

Customer service is Always so helpful and happy to h...

5
Customer service is Always so helpful and happy to help, I use Paypal credit on most of my purchases, it’s so easy to use and really helps with my credit score and gives lots of options to pay it off Reviewed on: 26th May 2025
Vicky H's avatar
Vicky H

Paypal credit any day over other credit cards.

5
I’m a regular customer of PayPal credit. I use it for when I’m short for money for something. I can always rely on it as it provides me enough time to arrange the money to pay back. It’s always been my saving grace whenever I’ve been in a desperate need of money. I have other credit cards too but I rather not use them as their interest rate is quite high whereas with PayPal, It allows be 4 interest free months to pay back which is more than enough time. Reviewed on: 26th May 2025
Sunita P's avatar
Sunita P

PayPal - My pal before pay.

3
PayPal is convenient for day today use. I use PayPal credit when I’m a little short before pay day. Reviewed on: 26th May 2025
Catherine N's avatar
Catherine N

Great company any problems are solved quickly and ea...

5
Great company any problems are solved quickly and easily Reviewed on: 26th May 2025
Tolly's avatar
Tolly

I have used Paypal for years.

5
I have used Paypal for years. Easy to use . Secure method of payment Reviewed on: 26th May 2025
andrew t's avatar
andrew t

Was ok,did the job,cant complain,fair dinkum...

3
Was ok,did the job,cant complain,fair dinkum.no worries maaaaaate. Reviewed on: 26th May 2025
N wil's avatar
N wil

Easy to Use PayPal Credit

5
Easy to use PayPal credit, easy to make payments and see your balance at a glance. Reviewed on: 26th May 2025
MariC's avatar
MariC

Reliable.

5
Secure, when I made a purchase I revived a text message Reviewed on: 26th May 2025
Yenny T's avatar
Yenny T

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