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 63,903 reviews, last reviewed 14th Apr 2026
1206600% increase in 5 star reviews
in the past 90 days
3700% 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

I have used PayPal for over 20 years and continue to... I have used PayPal for over 20 years and continue to do so. From pay in 3, PayPal credit and PayPal + transaction methods remain flexible and meet my ... Read more Reviewed on: 14th April 2026
Joe Pickering's avatar
Joe Pickering

Latest lowest rating:

2

I notice PayPal reduces your amount yearly and I don... I notice PayPal reduces your amount yearly and I don't understand. Reviewed on: 14th April 2026
Rosemarie A's avatar
Rosemarie A
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 (63903)

Good for building credit score

5
I can’t comment for customer service as I’ve never needed this, however PayPal credit has been great in being able to buy something large and pay back smaller amounts to make the total seem less daunting. PayPal credit has made a good impact on my credit score and was easy to obtain as I was young with minimal credit history prior to applying. If you want to be sensible and build your credit score I’d opt for PayPal credit Reviewed on: 11th April 2026
Chelseigh's avatar
Chelseigh

Amazing and great

5
Quick and easy payments easy transactions Reviewed on: 11th April 2026
Rosemarie M's avatar
Rosemarie M

They have always assisted with any payment problem

5
They have always assisted with any payment problem Reviewed on: 11th April 2026
Matthew r's avatar
Matthew r

Almost Perfection

5
I have never had to speak to customer service for any real reason, so I cannot comment on that area, hence the Neutral response. However, I have found PayPal Credit to be extremely useful. The difficulty is mainly in trying to keep a handle on it - but that is more likely my own personal situation than anything wrong with PayPal itself. The varied options have been incredibly helpful for payment plans at varied points in my life where I have needed to spend while also protecting my bank details, my account health, etc - it is my go-to, particularly with its broad selection of uses. My main drawback would be that it cannot be used in places such as Amazon - im sure there is a reason for it, but that would be the main area that would be useful for me - the options for that credit availability in more places/vendors. Reviewed on: 11th April 2026
Gideon Fall's avatar
Gideon Fall

No issues with PayPal, feels secure and would recomm...

5
No issues with PayPal, feels secure and would recommend Reviewed on: 11th April 2026
OK's avatar
OK

PayPal Credit - Excellent Service

5
PayPal credit service is excellent, it provides additional security on purchases. I recently received my money back through PayPal when the company I ordered from sent me a different product and then didn’t respond to my complaint. Reviewed on: 11th April 2026
Sparkle's avatar
Sparkle

Paypal is easy to checkout and gives massive help to...

5
Paypal is easy to checkout and gives massive help to spread out the cost without hassle. Reviewed on: 11th April 2026
Urooj B's avatar
Urooj B

PayPal Credit has been really convenient for me

5
PayPal Credit has been really convenient for me, especially when I need a bit of flexibility with payments. The Buy Now, Pay Later option makes it easy to manage purchases without feeling pressured to pay everything upfront. It’s been particularly useful for spreading costs while still getting what I need on time. Simple, reliable, and definitely a helpful financial tool. Reviewed on: 11th April 2026
Kwame T's avatar
Kwame T

fast processing good service must recommend

5
fast processing good service must recommend Reviewed on: 11th April 2026
Jimmy Hunter's avatar
Jimmy Hunter

Paypal review

5
Excellent and easy payments and withdrawls Reviewed on: 11th April 2026
Traceysly's avatar
Traceysly

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