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 64,673 reviews, last reviewed 14th Apr 2026
1277800% increase in 5 star reviews
in the past 90 days
3900% 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

Paypal is incredibly useful. Paypal is incredibly useful. You can safely pay online and use a variety of services stress-free. Reviewed on: 14th April 2026
S R's avatar
S R

Latest lowest rating:

1

Rubbish service. Rubbish service. I'm so not happy Reviewed on: 14th April 2026
Fernando G's avatar
Fernando G
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 (64673)

Really handy way to spread the costs of payments

5
Really handy way to spread the costs of “investment” purchases. Very easy to setup and the app is very helpful to keep on top of payments. Reviewed on: 12th April 2026
Kathryn B's avatar
Kathryn B

Everything is fine is working perfectly for me

5
Everything is fine is working perfectly for me Reviewed on: 12th April 2026
Anna R's avatar
Anna R

Paypal is my go to conveniant. way to pay

5
PayPal credit it and easy to use. Comes in very handy for those Larger purchases . Clear statements which are easy to read. Being able to spread the payments helps with budgeting and enables me to buy those bargains before they disappear from the shelves. Use PayPal for most of my shopping on line. I would certainly recommend. Reviewed on: 12th April 2026
DEde H's avatar
DEde H

PayPal credit is a quick and easy way to pay for items

5
PayPal credit is a quick and easy way to pay for items online. I have used it for 10+ years. I was hacked once but the PayPal team helped sort my account with no issues. Reviewed on: 12th April 2026
TR's avatar
TR

Always helpful customer advisors - normally can answ...

5
Always helpful customer advisors - normally can answer questions quickly. Never had an issue with paypal; Reviewed on: 12th April 2026
KLG's avatar
KLG

Excellent easy to use, really helps when purchasing...

5
Excellent easy to use, really helps when purchasing bigger items means you can afford to buy it, Direct debit set up wirh low paymebts so easy ti manage Reviewed on: 12th April 2026
Lisa 's avatar
Lisa

Member for ages I trust papal with all my transactio...

5
Member for ages I trust papal with all my transactions as I am covered and feel safe to make any purchase weither home or international transaction paypal got me covered. Reviewed on: 12th April 2026
Corine m's avatar
Corine m

Best Card Provider out there

5
Faultless The card is perfect the CS is professional. Reviewed on: 12th April 2026
Kevin W's avatar
Kevin W

Pay Pal is a quick way to pay, fast and reliable whe...

5
Pay Pal is a quick way to pay, fast and reliable whenever you want and in any country.It offers a great deal also of currency exchange with fast payment Reviewed on: 12th April 2026
Tatiana 's avatar
Tatiana

I’ve been using PayPal Credit for several months now...

4
I’ve been using PayPal Credit for several months now, mainly for online purchases where I wanted a bit more flexibility with payments, and overall my experience has been very positive. What I like most is how seamlessly it integrates into the PayPal checkout process. There’s no extra hassle—if you’re approved, you can select PayPal Credit instantly, which makes it really convenient for larger purchases. The application process was quick, and I received a decision almost immediately. The promotional offers, especially the “0% interest for 4 months” option, have been particularly useful. As long as you pay it off within the promotional period, it’s a great way to spread the cost without any extra charges. I’ve used this feature a couple of times and found it very manageable. The interface is also straightforward. It’s easy to track your balance, upcoming payments, and transaction history through the PayPal app and website. Payments are simple to make, and I appreciate the reminders that help avoid missing due dates. That said, it’s important to be aware that interest rates after the promotional period can be quite high, so it really only works well if you’re disciplined about repayments. This isn’t a drawback unique to PayPal Credit, but it’s something to keep in mind. Overall, I’d definitely recommend PayPal Credit for anyone who shops online regularly and wants a flexible, short-term financing option. Used responsibly, it’s a very convenient and helpful tool. Reviewed on: 12th April 2026
Otto's avatar
Otto

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