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 79,399 reviews, last reviewed 21st Apr 2026
2636900% increase in 5 star reviews
in the past 90 days
7700% 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

Reliable, trustworthy, very rare and issue after man... Reliable, trustworthy, very rare and issue after many years. Reviewed on: 21st April 2026
Chris S's avatar
Chris S

Latest lowest rating:

1

Had enough will be ditching account. convenience paypal wins.. but with disputes its hit and miss and a miss can cost me a lot of money long term. recently not happy with disputes and the... Read more Reviewed on: 21st April 2026
Gabe's avatar
Gabe
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 (79399)

Excellent

5
It's my go to instead of bank credit card. They're great Reviewed on: 14th June 2024
Sarah's avatar
Sarah

Great lender with fair 4 months 0%

5
Great lender with fair 4 months 0% on purchases over £99 and offering pay in 3 also! They increase credit limit regularly as you demonstrate ability to meet repayments. Helpful customer service over the phone. Reviewed on: 14th June 2024
J T's avatar
J T

PayPal credit saves the day

5
I now no longer have any means of credit other than PayPal credit. And it just helps me manage my finances slightly better if one month is tighter than the other. Specially with not earning very much money at all Reviewed on: 14th June 2024
Dazmac's avatar
Dazmac

Exellent

5
PayPal credit has helped me out massively, being able to afford things with really great monthly repayments, not to expensive and manageable , Reviewed on: 14th June 2024
Jack G's avatar
Jack G

Good information .

4
Always handy when I need it and works in Europe and other countries, if you travel often Reviewed on: 14th June 2024
Elizabeth Jewell's avatar
Elizabeth Jewell

avent cancel...

5
Fantastic customer service when I had a avent cancelled got money back no problem Reviewed on: 14th June 2024
Jacqueline H's avatar
Jacqueline H

Excellent all rounder

5
Excellent all rounderAlways use PayPal for peace of mind Reviewed on: 14th June 2024
Denise f's avatar
Denise f

I have used PayPal credit for several years now and...

5
I have used PayPal credit for several years now and it is quick and easy to use. Fees have been affordable if I’ve had to pay them and it’s nice having an app to be able to see my spending Reviewed on: 14th June 2024
Sam W's avatar
Sam W

I am happy with PayPal services.

5
I am happy with PayPal services. Reviewed on: 14th June 2024
Maria's avatar
Maria

Used PayPal for 15 years...

5
I’ve used PayPal for over 15 years and I have found it reliable. I have had issues with sellers that have been rectified and received timely refunds. Their credit system is very useful and I find PayPal a good way to manage, send, receive and borrow money Reviewed on: 14th June 2024
Charis's avatar
Charis

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